Wealth Strategies
Building and protecting your wealth demands a diverse range of products, services and strategic alliances. With our open architecture platform, we have access to the providers who can deliver the thought leadership and expertise you need.
Cash Flow and Banking
The first component of your wealth plan will be allocating your assets in order to generate ample income to comfortably meet the immediate and short-term needs of your family. We provide access to checking, money market accounts, savings and CDs through our alliance with Charles Schwab.
Investments
We work with the most talented investment managers across the full range of mutual funds and alternative investments. All recommendations are based solely on your needs and goals. For clients who prefer to remain actively involved, we offer online brokerage, research and trading capabilities through Charles Schwab.
Tax Management
Understanding that taxes play a role in almost every facet of your financial life, SICA proactively develops strategies to manage your annual tax burden and minimize the tax impact of your investments and retirement distributions, as well as plan for special events and the transfer of wealth to your heirs.
Retirement and College Planning
You have many options for your college and retirement savings. We will help identify the best vehicles, based on your monetary goals, time horizon, taxes and other funding options. As you enter retirement, we will work with you to generate adequate and lasting income through a range of annuity structures and payout options.
Loan and Liquidity Strategies
We can help evaluate a wide range of borrowing and liquidity needs, from monetizing a concentrated position to financing a business endeavor. Our review, conducted in the context of your overall wealth plan, considers rates, taxes, cash flow needs and liquidity requirements.
Insurance Review
We believe it is critical to have protection and welcome the opportunity to look at your insurance policies — umbrella, property and casualty, and disability and health insurance — to identify gaps in your family protection program and recommend needed coverage.
Estate Planning
Effective estate planning requires diverse insights and perspectives — from investing to tax and legal expertise. We work with these trusted advisors to develop effective wealth transfer strategies, such as life insurance, generation-skipping trusts, business succession strategies, and charitable giving programs. We will also review important documents and designations to make sure your wishes will be honored.