Wealth Planning
Our approach begins with a strategic plan that addresses the unique needs and goals of the individual and family. We surround our clients with the resources and talent needed for their unique circumstances.
- Cash flow projections and budgeting
- Net worth projections
- Retirement analysis
- Education funding
- Retirement & Equity-Based Compensation Planning
- Qualified plans
- Deferred compensation
- Executive Comp
- Use of debt (Leveraging assets, credit lines)
- NQDC Plans
- Asset allocation
- Diversification strategies
- Stock option and restricted stock analysis
- Concentrated positions
- Professional tax return preparation services
- Personalized CPA-style experience or streamlined digital solution
- Comprehensive tax consulting for complex personal matters
- Business transaction tax advisory services
- Tax free exchanges (1031, 1035, etc.)
- State residency and domicile
- Stock grants, RSAs, RSUs, SARs, Phantom Stock
- Stock option and restricted stock analysis
*CWM has partnered with Ernst and Young (“EY”), to offer our clients tax preparation services through referrals from CWM Wealth Planning Team. Clients who choose to engage these professionals will sign a separate agreement with the other firm. Fees charged by the other firm are separate from and in addition to fees charged by CWM.
- Wills and Revocable Trusts
- Powers of Attorney
- Health care directives; living wills
- Asset titling
- Beneficiary designations and coordination of interests
- Marital and property agreements
- QTIPs
- Special needs trusts
- State residency and domicile
- Gift, estate, or GST tax concerns, complex wealth transfer, or multi-gen planning
- Lifetime transfers
- Irrevocable trust planning (IDGTs, annuity and uni trusts, BDITs, dynasty trust, QPRTs
- Qualified conservation easements and development rights sales
- Decanting
- Post-mortem planning (Liquidity, disclaimers, portability, 6166, Graegin loans)
- Hard to value assets (Art Work, Licensing Fees & Royalties, IP, RE)
- Entity structure
- Governance agreements
- Business succession and transition
- Risk Management
- Integration of Business Interests with Estate Planning & Equalization Strategies
- Keep/Sell planning
- Family dynamics
- Advanced strategies (ESOP, SARs, phantom stock)
- Debt Management
- Retirement Plans for Closely-Held Businesses
- Life Insurance
- Insurance premium finance
- Disability
- Long Term Healthcare
- Asset protection planning strategies
- DAPTs
- Lifetime gifting and transfers
- Gift annuities
- Lead trusts (CLATs and CLUTs)
- Remainder trusts (CRUTs, CRATs, NIMCRUT, etc.)
- Private and Family Foundations
- Supporting Organizations
- Donor Advised Funds
- Qualified conservation easements and development rights sales
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