Working closely with your accountant and attorney, we can help you create an optimal estate plan that will enable you to protect your assets, avoid unnecessary cost and fees, and efficiently distribute your wealth to beneficiaries in an orderly fashion according to your wishes. *Note: Pivotal Wealth Management does not offer any tax or legal services
Pension and Retirement Planning
We’ll help you maximize your retirement savings opportunities while offering guidance about the most appropriate investments and plan type for you and/or your organization – all with the intent of providing you with the income you need for life after work is done.
Portfolio Advisory Services
Whether its mutual funds, ETF’s, alternative investments, real estate, stocks, bonds, or CD’s…..we’ll leave no rock unturned when determining which investments represent the most appropriate fit for your investment portfolio. Ongoing portfolio monitoring and review meetings will help ensure we remain on track toward meeting your goals.
A quality, yet cost effective benefits program is essential for recruiting, retaining, and rewarding the talent within your organization. Leverage our resources to help you design a plan that is ideal for your specific needs.
When calculating your earning potential over your working career, the number is likely in the millions, which is why you must protect you and your family from the risk of losing those dollars in the event of sickness or injury. We can help you review your current coverage(s) and if necessary, review plans with leading disability companies to provide the additional protection you may need.
Executive Benefits Planning
For the higher income earners/business owners who are limited in their ability to take advantage of traditional retirement and employee benefit programs, specialized planning is needed to address the shortfalls created and we can consult with this group to develop solutions that will improve their opportunity to create long term financial security.
If you are the primary breadwinner in your family, your untimely death may impact your loved ones in a major way which requires that you plan for this risk with appropriate insurance protection. Or, you may require coverage for a buy-sell agreement, key person situation, or wealth replacement trust. We are experienced with all of these situations and available to assist you with policy reviews or placement of new coverage if needed.
Business Succession Planning
After building a successful business, you may eventually wish to play a lesser role in the day-to-day operation or even retire and transition ownership. But do you sell your practice, transfer ownership to family, or perhaps your partners? How is the arrangement funded and for what value? We can help you review your options and select the best arrangement for your needs.
Long Term Care
At least 70% of people age 65 or older will need long term care services at some point. This statistic highlights the need to make provision for long term care coverage in your overall financial plan to protect your assets and family. Leverage our network of insurance carriers to find the most suitable plan for you.
Begin saving for the education of your young children or grandchildren early so the cost won’t be so great by waiting until they reach college age. We can help you select the most appropriate savings plan and also provide updated cost figures for the educational institutions you want to consider.