Our clientele is diverse in terms of age, background and locale. While primarily comprised of two groups, Wealth Creators and Wealth Recipients, the following six concerns are universal:

1.  To maintain control over one’s personal affairs
2.  Assure lifestyle
3.  Tax minimization strategies: income, gift, estate tax, etc.
4.  Asset protection
5.  Passing responsibility to family members
6.  Protection from administrative expenses and delays

Wealth Creators: The primary concerns expressed by Wealth Creators may be summarized as follows: Wealth is concentrated in a single company or asset; compensation is tied to stock options, resulting in unique planning challenges; pressure to retain more company stock than believed prudent; age biases hostile to older employees; corporate reorganizations; job security; reduced retirement benefits. Most who have created wealth did so by these means:

	Foremost Concerns (typically expressed in this order):
	Diversification of concentrated equity and options positions Tax management Liquidity planning Investment management

	Foremost Concerns (typically expressed in this order):
	Liquidity planning Diversification of net worth outside the business Business valuation Succession planning Investment management

	Foremost Concerns (typically expressed in this order):
	Determining capital requirements to secure financial independence Investment management Tax management strategies post-retirement Liquidity and cash flow planning

Wealth Recipients: For a variety of reasons, many recipients of wealth do not experience their good fortune as an unmitigated blessing. Emotional turmoil is common. Wealth Recipients are most frequently:

1. Surviving Spouses and Heirs
2. Insurance Beneficiaries
3. Settlement Recipients (Divorce, Structured Settlements and Litigation Awards)