Our Services
Individuals
Financial Planning
First, we’ll define your goals and objectives. Then, we’ll identify shortfalls and inefficiencies in your current situation and search for planning opportunities to expose potential improvements.
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Investment Advice
Our goal is to understand your goals and objectives, help you make educated decisions and coordinate your investments with your comprehensive financial plan.
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Private Business
Business Planning
Our team has extensive experience with the specialized wealth management techniques business owners require. We offer several business planning services in correlation with — or independent of — our financial planning services.
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Retirement Plans
We help businesses and corporations design and implement qualified and non-qualified retirement plans. Additionally, we offer regular reviews of your plan, employee communication and ongoing consulting services to ensure everything runs smoothly.
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Shareholders Agreement Auditing
Many business owners have some form of a buy/sell agreement in place. However, we often find opportunities for improvement, such as improving tax efficiency and restructuring the agreement to ensure proper coordination among all parts.
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Financial Planning
Investment Advice
We’ll develop an investment strategy that is consistent with your goals and risk tolerance, in addition to providing securities and private portfolio manager recommendations.
Tax Planning
Our tax planning process begins with examining your income, capital gains, gift and estate tax exposures, and then developing a plan to minimize your total tax impact.
Estate Planning
After reviewing your estate and wealth transfer goals — as well as their implications — we’ll take a look at your existing plan. After that’s done, we’ll develop a framework and explore alternative strategies.
Risk Management
We’ll review your personal liability coverage, life insurance and disability insurance, as well as identify protection opportunities through ownership arrangements.
College Funding
With the cost of higher education continuing to rise, planning ahead to accumulate the funds necessary to meet them has become imperative.
Lifetime Gifting
Gift on a tax-advantaged basis to assist with the transfer of wealth to your family members and others.
Charitable Giving
Give back to charitable organizations while capitalizing on any tax or dual-interest opportunities.
Investment Advice
As an independent Registered Investment Advisor, we do not sell any investment products or receive any commissions. Instead, we provide investment advice on a fee basis. Some assets we manage on a discretionary basis, while other assets are managed by various third-party money managers.
What We Offer
- Advice and supervision of individual investments and investment portfolios.
- Access to privately-managed portfolios.
- For clients with multiple accounts and/or money managers, we oversee the accounts in aggregate to make certain they are all in line with your investment strategy.
- Investigation of specialized investment vehicles, such as hedge funds, private equity, real estate investment trusts (REITs) and other alternative investments.
Wealth Management
As an independent Registered Investment Advisor, we do not sell any investment products or receive any commissions. Instead, we provide investment advice on a fee basis. Some assets we manage on a discretionary basis, while other assets are managed by various third-party money managers.
Our wealth management clients rely on us to oversee all aspects of their personal finances including:
Financial Planning
We will constantly review all areas of your financial plan to make sure you’re taking advantage of every opportunity for improvement.
Business and Estate Planning
By updating your financial and estate plan according to your business objectives, we maximize effectiveness and efficiency, reduce risk exposure and ensure coordination across all financial decisions.
Tax Planning
Our tax planning services encompass a variety of taxes including gift, estate, capital gains, generation-skipping and corporate.
Investment Management
We’ll evaluate your investment portfolio and help make sure your risk tolerance, expenses and taxes are in line with your broader financial picture.
Shareholders Agreement Auditing
Many business owners have some form of a buy/sell agreement in place. However, we often find opportunities for improvement, such as improving tax efficiency and restructuring the agreement to ensure proper coordination among all parts.
What We Offer
Determining...
...if you have the right type of agreement.
Reviewing...
...your strategy and legal documents to ensure they are in line with your objectives and flexible enough to accommodate any unforeseen changes.
Evaluating...
...your funding mechanism to verify it will provide the funding needed, in addition to being cost-effective and tax-efficient.
Retirement Planning
Due to the recent changes in pension law, specialized investment advice has become extremely important to business owners with corporate-sponsored retirement plans. Additionally, proper education and investment advice can significantly increase your employees' chances of achieving financial independence.
With no affiliations with specific retirement plan providers or broker-dealers, we search the market for the optimal solution for your situation. After an investigation of several programs and providers, we will recommend the one that best aligns with your goals, objectives and cash flow.
Business Planning
From start-ups to companies with sales over $100 million, our team has consulted with 300+ businesses and corporations. We offer a number of business planning services in correlation with — or independent of — our financial planning services.
Our business and retirement planning services include:
Succession Planning
Regardless of how you decide to leave your business, we can help make sure you sell it in the most profitable and tax-efficient manner possible by implementing a long-term plan for its succession.
Tax Planning
In addition to helping you with corporate tax planning, we will also coordinate and integrate corporate tax reduction strategies with your personal tax exposure to minimize your total tax impact.
Buy/Sell Agreements
Although we do not prepare the legal documents, we will make recommendations on the type and structure of the agreement, as well as work with your legal advisors to make sure the documents are properly coordinated with other vital components.
Fringe Benefit Consulting
We offer advice on a number of fringe benefits, including key-person protection and incentives and executive carve-out benefits. Additionally, we can help implement various fringe benefits, such as supplemental retirement and medical programs.
Retirement Planning
We consult a wide range of businesses and corporations on the design and implementation of both qualified and non-qualified retirement plans. We continue our service to you by offering regular reviews of your plan, employee communications and ongoing service to ensure your plans run properly. Our years of experience and internal capabilities enable us to take advantage of the full range of financial options for our clients.
Working as an advocate for both business-owners and their employees, Poulos Advisors strongly supports employee education and investment advice. Specific investment advice has become extremely important to business-owners with corporate sponsored retirement plans due to the recent changes in pension law. Americans can no longer count on the government to help them retire, so it is up to them to ensure their retirement. Proper education and investment advice significantly increases employees' chances of financial independence. As a result, employers enjoy a much happier, financially sound and harder working work-force.
We do not have any affiliations with specific retirement plan providers or broker/dealers. Instead, we search the market for the optimal solution for your situation. After an investigation of several programs and providers, we will decide on the one that fits best with your goals, objectives, and cash flow of the business.
