Private Client Services
PROTECT AND MAXIMIZE THE IMPACT OF YOUR WEALTH
You may know some people who seem to turn everything they touch into gold, while others may spend a lifetime working diligently with little to show for their efforts. You may see your destination, but the steps for getting there are often less obvious. At MacArthur Financial, we believe that successfully reaching your personal financial goals requires a studied view of your financial landscape, integrated advice, and a customized plan that manages not only the opportunities, but also the risks you may encounter.
Working in tandem with our affiliate firm, Trove Private Wealth, our team uses our flagship LifePrint™ planning process, as well as our numerous tactical processes, to integrate your personal financial goals by leveraging company benefits, equity awards, and retirement savings plans to provide you with the desired lifestyle at a point in the future.
HOW WE CAN BENEFIT YOU
IMPROVE YOUR LIFESTYLE
We explore income enhancement and expense reduction strategies which may improve your lifestyle and create discretionary income.
MINIMIZE TAXES
We help identify ways to minimize taxes which may free up cash for spending and investments.
REDUCE STRESS
We help organize your financial information which may help reduce uncertainty and stress.
PRIORITIZE YOUR GOALS
We help to define and prioritize your financial goals to articulate your expectations.
STAY FOCUSED
We develop, plan, implement and review recommendations to help you stay focused on reaching your goals.
STRATEGY
We help you strategically utilize company benefit plans to provide you with your desired lifestyle.
PROTECT WHAT MATTERS
We design risk management strategies to help you protect the people and things that matter to you.
WEALTH TRANSFER
We work with you and your advisory team to review your estate plan and recommend how you may want to direct the transfer of wealth on your terms.
Our Planning Process
We believe that successfully reaching your goals requires knowledgeable advice and a customized plan that manages not only the opportunities, but also the risks that you may encounter.
To help facilitate the effective integration of company benefits and
personal planning, we use our flagship LifePrint™ planning
process, as well as numerous tactical processes.
Together, these approaches provide an integrated and comprehensive suite of financial, estate, and tax planning, as well as investment and insurance advisory services designed to help you maximize your financial potential during your lifetime and through an ongoing legacy you can leave behind.
Retirement Planning
ACCUMULATING WEALTH FOR RETIREMENT
REACHING THE RETIREMENT SUMMIT WITH THE ARC PROCESS™
Like mountain climbing, retirement planning begins with the goal of reaching the summit. The key to achieving that goal is planning and preparation. Our unique ARC Process (“Achieving Retirement Clarity”) lays out a clear path for accumulating assets for retirement and covers three important checkpoints:
- Cashflow Management: directs how resources are earned, spent and saved.
- Wealth Accumulation: assesses your current financial position and identifies the most efficient path for reaching your goals for retirement as well as other needs such as children ‘s education.
- Income Protection: helps safeguard your path from obstacles that can prevent your financial goals from becoming reality.
Watch our video to learn how you can achieve clarity and peace of mind while building your retirement fund.
MANAGING WEALTH FOR RETIREMENT
REACHING THE RETIREMENT SUMMIT AND RETURNING SAFELY WITH THE RISK PROCESS™
While climbing to the top of a mountain is considered to be a major achievement, the real goal of climbing is not simply to reach the top, but to reach the top and return safely. Most executives and business owners focus on accumulating enough assets for retirement. However, the biggest risks facing retirees occur during the income distribution phase when we retire and begin to live on our retirement savings.
Our unique RISK Process™ (“Retirement Income Survival Kit”) simplifies the complexity of post-retirement planning and guides you through our effective, time tested approach which:
- Transitions your retirement savings from traditional asset allocation to income allocation.
- Determines your sustainable withdrawal rate throughout retirement.
- Addresses the key risk factors you face in retirement including: market conditions, sequence of returns, inflation, liquidity, longevity, taxation, health, and legacy risks.
Investment Management
OPTIMIZING YOUR INVESTMENTS
At MacArthur Financial, we believe an OPTIMAL investment strategy is imperative for any financial plan. Generally, investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for long-term growth due to their susceptibility to interest rate and inflation risk. On the other hand, equity investments potentially yield higher expected returns, but are vulnerable to more severe volatility risk in the markets.
A BALANCED APPROACH
To balance the need for safety and performance, we utilize several proprietary, risk-managed investment platforms to bridge the gap between traditional and newer investment strategies. We also utilize a number of traditional professional money management platforms. They allow us to design the best investment policy statement for our clients, and answer questions such as:
- Am I taking too much or too little risk with my investments?
- Are my assets divided into enough different buckets to address different goals and different time horizons?
- Are my investments tax efficient? For the short term and/or long term?
- Are my investment assets being rebalanced so I stay within my risk parameters?
How your customized portfolio is structured depends on a number of variables, including your risk tolerance and time horizon. In this way, we are able to better manage your money with an equal emphasis on risk management and investment performance.
Risk Management
Our strategies to manage risk and protect income equip you with the proper tools and solutions for weathering the storms of life. We cannot predict market conditions, tax legislation, health, personal or professional liability. However, we can manage the risk associated with these various perils and insulate your retirement path accordingly.
Specifically, our planning process includes considerations about:
- Long-term health care
- Insurance planning
- Insurance policy reviews to ensure policies perform as intended
- Life settlements and other solutions for policies that are either not performing properly or are no longer needed
MANAGING THE RISK OF
LONG-TERM CARE
Advances in medicine, technology and health awareness have allowed us to live longer. However, with greater longevity comes the risk of eventually needing some type of extended health care. How you prepare for that possibility directly impacts the security of your entire portfolio, and can pose one of the greatest threats to your retirement income security.
As health care costs continue to rise, more and more people are wisely deciding to assign the risk of needing long term care (and the financial impact that comes along with it) to an insurance company through a hybrid life and long-term care insurance policy.
After we assess your personal situation, we can help you design a policy and plan individually tailored to protect your assets now and in the future for a variety of situations. These plans can help:
- Cover the costs of long-term care,
- Provide emergency funds when you need access to liquid assets, and
- Create a financial legacy that you can leave to your loved ones.
Insurance Planning
A VERSATILE MULTI-PURPOSE PLANNING TOOL
Two important aspects of financial planning involve managing risk and transferring wealth to the next generation. In many instances, the tax advantages of life insurance make it a preferred vehicle for purposes such as:
- Providing income replacement for your surviving family
- Transferring family wealth to future generations
- Providing supplemental tax-free income for retirement through policy cash value
- Charitable giving
MAKING THE MOST OF YOUR INSURANCE PORTFOLIO
Few people are aware that the life, disability and long-term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products. That’s why it’s important to regularly review all of your personal and business insurance coverages.
With years of experience reviewing thousands of complex insurance arrangements, MacArthur Financial has the expertise and proprietary analytical tools to evaluate your policy and the strength of the insurance company that is guaranteeing the policy.
A CLOSER LOOK AT OUR INSURANCE PLANNING SYSTEM
Whether you are evaluating existing coverage or seeking new insurance, MacArthur Financial uses a four-point system process called Life Assurance 360™ to make certain that your policy fits your current needs and continues to serve its intended purpose for the duration of the policy. The steps below reflect the professional evaluation process you can expect when working with us.
Life Settlements
WHEN YOUR LIFE INSURANCE POLICY IS NO LONGER NEEDED
Situations may arise when you no longer need or want your life insurance policy, generally due to:
- Changes in your planning needs (e.g., retirement income needs, changes in estate taxes, business changes, etc.) and/or;
- Changes in the policy structure (e.g., carrier-imposed premium increases, reduced duration of coverage, and other policy performance problems)
When these situations occur, we work with you and your advisors by first analyzing the existing policy and examining the potential for a life settlement. Based on our findings and your objectives, we provide detailed analyses and recommendations of various options that may include:
- Allow the policy to lapse
- Surrender the policy for cash value
- Restructure the policy
- Exchange for a new life policy or an annuity
- Pursue a life settlement when a higher net value seems likely
IMPORTANT CONSIDERATIONS
In a life settlement agreement, the current life insurance policy owner transfers the ownership and beneficiary designations to a third party, who receives the death proceeds at the passing of the insured. As a result, the buyer has a financial interest in the seller’s death. When an individual decides to sell their policy, he or she must provide complete access to his or her medical history, and other personal information, that may affect his or her life expectancy. This information is requested during the initial application for a life settlement. After the completion of the sale, there may be an ongoing obligation to disclose similar and additional information at a later date. A life settlement may affect the seller’s eligibility for certain public assistance programs, such as Medicaid, and there may be tax consequences. Individuals should discuss the taxation of the proceeds received with their tax advisor. Valmark Securities, Inc. supervises all life settlements as a security transaction. Valmark Securities, Inc. and its registered representatives act as brokers on the transaction and may receive a fee from the purchaser.
LEGACY & CHARITABLE PLANNING
LEGACY PLANNING: MORE THAN MONEY
At MacArthur Financial, we believe that legacy planning starts with knowing what is in the hearts of our clients. Legacy planning is not just about protecting your financial assets but also about preserving family relationships. With that in mind, our planning process is designed to help you address your family’s personal concerns such as:
- What values do I want to support and what outcomes do I want to promote?
- How do I optimize my plan without giving up control of my assets?
- How can we get all of our family members on the same page so that there is less conflict?
- Are my children ‘s assets protected from divorce, creditors, etc.?
- How much is enough to accomplish these important results?
As part of our process, we help you first focus on the big picture of what you want to see happen with your assets, family, business, and charities. From there, we work with you and your other advisors to develop a game plan of action items that will help ensure your most important wishes are realized. This includes mapping out where your assets should flow upon death and to whom they will go. We also look at the tax consequences of your wealth transfer and develop recommendations to help you optimize and preserve the amount of money being transferred.
CHARITABLE PLANNING:
MAKING A DIFFERENCE IN THE WORLD AROUND YOU
After we have made provisions for our personal needs throughout our lifetimes, and those of the next generation, you may decide to move to the pinnacle of the planning pyramid which is making a difference in the world around you.
Gifts to charitable causes or organizations need not come at the expense of your own financial needs or providing for your family. With the right kind of planning and expertise, you can usually redirect assets otherwise earmarked for taxes to causes and organizations that will achieve the kind of social impact you hope to make.
This is taking involuntary philanthropy and transforming it into voluntary philanthropy. Your redirected tax liabilities, along with additional wealth not required by you or your family, make up what we refer to as your “excess” wealth. Most people don’t know they have it, but they often do. If you knew you did, might you do some things differently? Live more? Give more? Let MacArthur Financial show you how.
If You Knew You Could Do More That Matters, Wouldn't You?
Are you ready to do more that matters? Learn how “living more and giving more” can impact your life and the lives of those around you. Co-authored by Ron Ware, principal and co-founder of Wealth Impact Partners, this inspiring book sheds light on the true meaning of wealth and helps readers understand how they can better align their resources with their passion. You Can Do More That Matters is available through Amazon.com and at www.domorethatmatters.com.