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Wealth Management & Investments

Our Wealth Management program utilizes a holistic approach to our client's life journey. It is conducted through our wholly-owned subsidiary, Equatorial Advisors, LLC. A Registered Investment Adviser. The program consists of three components. Depending on your specific stage and goal, you will have access to our disciplined process designed to help you achieve your financial objective(s).

1. Accumulation Phase

Regardless of income level, we will assist you to establish a "Disciplined Savings Regime" through a variety of investment vehicles to Maximize Savings and Reduce Taxes. We will assist you in defining your goals with realistic expectations. Goals may include:

  • Retirement Planning
  • College Funding
  • Home Purchase
  • Business Development/Purchase
  • Vacation Planning
  • Charitable Giving

Investment and Savings vehicles include:

  • IRA
  • SEP
  • 401k
  • Profit Sharing
  • Defined Benefit Plans
  • Annuities

We will work with you and your CPA or Tax practitioner to establish the appropriate vehicle.

2. Distribution Phase

After several years of hard work and asset build up, you want to ensure a worry free Retirement during your golden years. Planning would include:

  • Retirement Income
  • Long Term Care and supplemental health insurance
  • Travelling and Vacation
  • Other specific individual needs.
  • Social Security Income
  • Medicare and other government programs
  • Taxes

Some key risks to consider during retirement.

  • Longevity: Many people underestimate their life span and risk outliving their assets.
  • Healthcare Expenses: Rising healthcare costs coupled with inadequate insurance coverage can have a devastating impact on retirement income plan.
  • Inflation: Inflation increases the future costs of goods and services and may erode the value of assets set aside to meet those costs.

3. Heritage Planning & Transfer Phase

Providing enduring legacy requires meticulous planning. Most people engage in estate planning to ensure that their wishes are carried out. This may include:

  • Distribution of their assets after they die
  • Making medical and financial decisions for them if they become disabled

With an estate plan, you are in control of your assets and welfare, not the courts.

In association with some of the nation's leading Tax and Estate Planning Attorneys, we will assist you establish and fund enduring vehicles that will stand the test of time. Our consultants keep abreast of the Regulatory and Tax changes to ensure compliance and efficacy. Regardless of where you are financially or how old you are, we encourage you to have a plan in place to protect and pass along your assets.

The following may be appropriate for different individuals or families:

  • Create a Will
  • Beneficiary Designations
  • Health Care directives
  • A Trust
  • Gifting strategy to reduce Estate Tax
  • Durable Power of Attorney
  • Family Limited Partnership

Investments

We offer a broad range of investment products to meet evolving investor needs. To maintain our independence and objectivity, we do not offer proprietary products and do not subscribe to any quotas. Our focus is to represent our clients best interest in products selection.

  • Mutual Funds:
  • With more than 14,000 mutual funds out there, how do you determine the right ones for you? Like marriage, while love may be at first sight, it pays to check out the family!
    • Exchange Traded Funds (ETFs)

ETFs have increased in popularity in recent years. They are close cousins of mutual funds but can be traded like stocks. The asset management fee is typically lower than a traditional mutual fund due to their unique structure.

  • Stocks and Bonds
  • Annuities: Fixed, Variable and Equity Index Annuities

Alternative Investments
Real Estate Investment Trusts (REITS)
Oil & Gas Limited Partnerships
Commodities

Separately Managed Accounts ("SMA")

Managing your own investment program can be difficult and time- consuming. It is easy to lose your way in today's maze of investment opportunities and alternatives.

At Equatorial Advisors, LLC., we have access to the resources and skills of thousands of reputable Institutional Investment Managers covering a variety of asset classes and investment styles to choose from.

It is the policy of our firm to keep the assets of our clients with an Independent Custodian separate from the Investment Advisor or Manager unless the clients chooses otherwise.
We keep a watchful eye on the Advisor's investment process and monitor them to ensure that they adhere to their stated investment objectives and discipline.

Under our SMA program, accounts are established comprising of a diversified portfolio of individual securities managed by an institutional portfolio manager based on expertise and the determined portfolio objective. Your account is not comingled with others. You know what you own. It is Fee based and not Commission driven. We emphasize transparency.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

info@equatorialgroup.com   |  410-788-0090