Sapers & Wallack

Services

For Businesses

For Individuals

Investment Advisory

Do you have a comprehensive understanding of the investments that you own? How confidently can you describe how and why each kind of investment fits into your asset allocation model? Wealth management begins with defining your objectives. Your risk tolerance will quantify the expectations for returns. The time frame you set to reach specific goals such as – education, retirement or lifestyle purchases, will define your potential return. From there your asset allocation model emerges.

Our professional advisors design effective strategies to maximize wealth accumulation through efficient tax planning and prudent investment performance. The team can customize programs to our clients’ individual circumstances and recommend diversified investment choices that meet their performance goals within the range of their tolerance for risk. The trained professionals at Sapers & Wallack possess an understanding of products and the ability to assess the performance relative to risk. The team’s commitment to client service is what distinguishes Sapers & Wallack. Our advisors’ approach is to offer objectivity that is deliberate and broad in perspective.

Investment services begin with your objectives, and are backed by the financial analysis, knowledge and integrity. Whether for a business or an individual investor, understanding the full extent of those goals is key. As part of the investment planning process, our professionals set realistic expectations for performance and make sure that our client understands the products they recommend as well as the intended outcome.

Comprehensive planning for individuals includes: financial planning, estate planning, insurance planning, wealth management, retirement planning and, risk management. Any one of these areas can be addressed by themselves, but our advisors believe taking a holistic approach and combining all of these often get a better solution for the client.

Planning begins by determining what aspirations are most important to you, why you have these goals and how our investment advisors can help you achieve them.

Traditional risk management used to focus on the replacement of sources of income lost through disability, elderly infirmities or death. Today, financial risk management for affluent families requires the integration of diverse and often conflicting goals.

Insurance Planning today is more challenging due to the diversity and complexities of risk management products and investment tools – life insurance, disability insurance, medical insurance, critical illness insurance, long term care insurance, and tax favored investment products have all become more sophisticated.

Wealth Management

Our experienced team of advisors help find solutions to each individual case by designing a tax efficient portfolio that can be adapted in multiple ways to meet the client’s individual investment preferences. Our team will regularly monitor the portfolio and even sign on as a fiduciary to stand behind the plan implemented. It is our top priority to see your financial planning goals be met throughout the lifetime of the portfolio. Our members have the opportunity to use web based tools to help clients manage their money and watch their investments grow over time. Planning services include investment services to design the wealth accumulation strategies that best fit you, management of investment strategies and money managers, cutting edge technology to aggregate assets and to provide technical analysis and reporting, wealth management for the protection of your lifetime accumulation of assets and distribution planning to assure the tax-efficient use of your wealth.

Insurance

The approach that our professionals at Sapers & Wallack take in designing clients investments portfolio includes the implementation of insurance vehicles to prepare for the road ahead. By partnering with our in-house specialists in death, disability and long-term care insurance, our professionals can equip clients for the unexpected happenings that life may offer. Insurance products include life insurance, disability insurance, long term care insurance, annuities and life settlements.

Corporate Financial Planning

We also help our corporate clients’ employees devise investment strategies through corporate financial planning services. Through one-on-one meetings and employee education sessions, our Certified
Financial Planner^TM provides cost efficient ways to plan for the future including retirement planning, estate planning, financial planning, wealth accumulation, insurance planning, college funding and charitable strategies. Through our web-based tools, employers can give their employees a one-stop shop to view all of their investments and control their investments.

In a Life settlement transaction the seller receives a lump sum payment from the purchaser of a life settlement–typically for more than the policy’s cash surrender value but less than the net death benefit. As opposed to life insurance surrenders, they may take weeks or longer to complete.

Please note that the number of bidders for a policy may be limited; proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to estate plans, availability of insurance, cost of comparable coverage, and tax implications. There may be high fees associated with the sale of a life settlement and your personal medical information may be disclosed to 3rd parties. Please consult an appropriate professional regarding your individual circumstances.