FINANCIAL GUIDANCE

Your Bigger Financial Picture Takes More Planning….

Your goals and objectives with respect to gift and estate planning, philanthropy, educational funding, retirement planning, business succession and long-term care can directly affect and impact your plans and goals for your investments.    That is why we offer services beyond just investment management to include useful education, guidance and advice on related financial matters important to you.

Retirement Needs….

Running out of money while still alive is often a retiree’s biggest fear.   We can assist you to properly structure your investment portfolio to provide the cash flow and funds necessary to meet your retirement needs.   We will inform you of the choices and options available for long-term care insurance should such protection be useful or desired.

Helping Your Family….

Besides a secure retirement, another important objective is assisting family members.   Helping to pay for a child’s or grandchild’s college education is a common and meaningful way to contribute.   A college education is an expensive proposition.   We will guide you on your options and the best way to provide such financial assistance.

Giving Back to the Community….

Many individuals, in addition to helping family members, are also interested in aiding their communities and those less fortunate.   The more effectively you give, the greater the beneficial impact on the lives of others.   We will advise you on your charitable gifting options so that your gifts have the maximum beneficial impact for both you and the charities you support.

Business Succession….

Although family businesses comprise the vast majority of US companies and employ the majority of American workers, most businesses fail to survive more than one or two generations.   Increase your business’s chances of survival, by having us assist and guide you on appropriate business succession planning.

Wealth Transfer….

A primary goal for many people is providing an inheritance and protecting their family after they are gone.   We will work with you to ensure that your estate planning documents and actions are properly coordinated with your estate planning goals so that, at the appropriate time, your wealth is cost effectively and properly transferred, providing the maximum benefit and protection for surviving family members.

The Big Picture….  

At Holt-Smith Advisors, our goals are to (1) provide the investment management services to help you to grow your wealth; and (2) provide you with the necessary advice, guidance and assistance to enable you to most effectively preserve, use and transfer your wealth.