Concerns:

• Outliving your wealth
• Long-term cash flow / maintaining lifestyle
• Passing on wealth to heirs in responsible fashion
• Minimizing taxation on earnings
• Estate taxation

   

The FC Advisors approach:

Our high-net-worth clientele have reached a point in their careers and lives where the wealth they have generated has opened new opportunities, but also presented increasingly complex challenges. Sometimes these challenges may represent competing objectives – for example – the desire to leave a legacy to children, coupled with the need to maintain income and lifestyle through retirement. In addition to sophisticated asset management tools and investment options to meet your accumulation and income needs, FC Advisors utilizes a holistic planning approach to address short and long-term objectives. We help you build a dynamic plan that truly addresses the complete picture – incorporating retirement, insurance, tax, and wealth transfer planning into an integrated framework. As part of our process, we routinely partner with existing tax and legal counsel you may have in place, or provide referrals as needed for those resources.

Concerns:

• Tax-efficient investing
• Coordination of outside planning resources with existing family office infrastructure
• Responsible wealth transfer to heirs, including grandchildren and subsequent generations
• Estate taxation
• Liability / Risk exposure
• Educating children on managing wealth responsibly
• Managing international monetary and non-monetary assets

   

The FC Advisors Approach:

Bill Gates is quoted as saying, “With great wealth, comes great responsibility.” Our ultra-high-net-worth clientele understand this applies on many levels – personal, financial, social, etc. Ironically, the challenge of growing wealth and its related complexity results in a more complex set of challenges once material wealth is accumulated. Many firms focus on acquiring your financial assets under their management, and lend only ancillary emphasis to the other critical planning areas that require thoughtful attention. FC Advisors works will work with you, your family, and your existing advisors to ensure we comprehensively and strategically engage all of your planning concerns. For those clients with an existing family office, we can collaborate seamlessly to integrate our expertise and services with their existing team. For clients who may currently be lacking the type or level of planning expertise they now require, we also offer the FC Advisors virtual family office model. Whatever the structure, we provide in-house portfolio management in conjunction with decades of industry experience to ensure your wealth is strategically managed in alignment with your objectives.  

Concerns:

• Managing long-term financial planning objectives with potential uncertainty in duration of current role
• Capitalizing on and managing stock options effectively
• Wealth accumulation and retention
• Ensuring long-term maintenance of existing lifestyle

   

The FC Advisors Approach:

For a senior executive, the role can often be all-consuming. Many times, personal financial matters take a back seat to company commitments. As a result, critical planning needs may go unaddressed. FC Advisors understands the unique financial challenges you face, and provides planning services designed to comprehensively address them. We structure your plan to address critical issues including text text

• Providing a basis for long-term financial security
• Identifying and managing a variety of risk factors (personal, professional, tax, legal, etc.)
• Cash flow continuity to ensure maintenance of current lifestyle
• Effective management of stock options

Just as your role is dynamic, your financial plan will be as well. We help you structure a flexible document that is malleable to your changing needs, and in constant alignment with short and long-term objectives.

Concerns:

• Attracting and retaining key employees
• Legal / liability risks
• Transferring the business equitably to heirs
• Minimizing taxes
• Selling / transitioning out of the business

   

The FC Advisors Approach:

Business owners must balance the need to effectively manage their company, with the need for effective personal financial planning. While the needs are separate, they are also heavily intertwined and equally important. FC advisors understands that for many owners, personal financial planning needs may receive less attention than ongoing needs of their business. Our goal is to help add balance by working with you in developing a financial plan that incorporates both business and personal objectives under a single framework. Tax mitigation, maintaining cash flow in alignment with personal lifestyle, addressing business transition concerns, and investment management are just a few of the areas we incorporate into your plan. The ultimate outcome is a strategic plan that effectively integrates both business and personal planning concerns under a single framework.

Concerns:

• Dynamic nature of the technology sector with regard to employment / opportunities
• Managing stock options appropriately
• Addressing long-term income/retirement needs in an environment where compensation can vary significantly

   

The FC Advisors Approach:

With the excitement of a technology career comes some uncertainty. Variables such as compensation and stock options, surprise acquisitions or mergers, and decline in stock value can quickly and profoundly impact your wealth and lifestyle. FC Advisors understands how these issues impact you and your overall financial plan. We work with you to develop a strategy for meeting long-term objectives, while attempting to buffer your plan from ongoing risk factors.

Concerns:

• Addressing long-term financial needs with a shortened high-income earning period
• Liability / risk exposure
• Disability
• Privacy

   

The FC Advisors Approach:

As a professional athlete, we understand both the benefits and risks associated with your career. Issues such as contract negotiations, variable bonus structures, risk of disability, and a host of other factors can weigh heavily on your overall financial situation. FC Advisors has an in-depth understanding of the unique challenges faced by professional athletes, and offers a highly specialized planning process designed to address them. Because of the uncertainty around continued success as an athlete, we work to ensure the wealth you hold now serves as a basis for you and your family’s long-term security.

Concerns:

• Long-term cash flow needs
• Variability in earnings
• Privacy
• Liability / risk exposure

   

The FC Advisors Approach:

There is a misperception about the degree of hard work celebrities put into their careers. Not only do we understand what is involved in your success, we also understand the unique concerns you have around building and maintaining your wealth.

FC Advisors will work with you to address concerns you have, providing insight and education to ensure your plan is in alignment with short and long-term objectives. Many celebrity clients face unique challenges with dramatic fluctuations in earnings. Because of this, we lend extra emphasis to modeling a variety of cash-flow scenarios in developing your financial plan. The goal is to optimize your investment management to be in consistent alignment with your lifestyle and needs. Because success is never guaranteed, we work to ensure the wealth you have now provides a platform of security for the future.