Family Services

 

Retirement Planning

  • Pension maximization
  • Retirement timing
  • Cash flow projections
  • Determination of income and capital need
  • Capital accumulation

 

Investment Planning   

  • Principal protection strategies
  • Minimum income benefit strategies
  • Asset diversification
  • Risk-reward analysis 
  • Performance monitoring

 

Estate Planning

  • Tax minimization
  • Family survivor income
  • Liquidity sufficiency
  • Property titling and ownership planning
  • Survivor asset management
  • Estate distribution planning
  • Charitable/Philanthropic strategies

 

Fringe Benefit Planning

  • Contingency planning for disability
  • Minimizing dependence on company benefits
  • Utilization of company savings plans

 

Tax Planning

  • Maximizing deductions
  • Tax-advantaged investments
  • Tax reduction strategies
  • Proper utilization of company savings plans 

 

Education Planning

  • Projections of college expenses
  • Funding strategies
  • Gifting

 

Directed Trust Services

 

Special Needs Trusts

  • Living and Testamentary Trusts
  •  Charitable Trusts
  • Generation Skipping Trusts
  • Blind Trusts
  •  

 

*  Services Available Through The Bank of New York

* National Financial Services