200 Meridian Centre, Suite 150
Rochester, NY 14618
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How Do You Compare?

written by Michael Palumbos

Learn How You Stack Up Against Other Families Just Like Yours?

How Hard Did You Work to Build Your Total Net Worth to Where it is Today?

How Many Years Did it Take You?

If you’re like the majority of the families we have spoken to through the years, we know it’s been an accumulation of many decisions, a lot of hard work and often times sleepless nights…

… worrying that your decisions and efforts would pan out to allow you to build what you and your family enjoy today.

We also know that it’s because of the huge effort to get where you are that you don’t feel rich or wealthy…you really earned it.

Current data* shows us that if you have a net worth of $1,868,640 or more, that you’re in the top 5% of US Households. If you have a net worth greater than $943,656 you’re in the top 10% of US Households.

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How to Hire a Financial Planner, Financial Advisor or Wealth Advisor

Hiring a wealth advisor, financial planner or financial advisor can have a tremendously positive impact on your family, especially if your family’s net worth is $500,000 or higher. We want to share with you why it is so important to hire an advisor who is comprehensive in their approach to financial planning. You’ll learn that great financial advisors are well versed in not only investments but estate planning, retirement and cash flow modeling, personal risk management, the impact of income taxes, and business owner planning. Far too often, individuals hire advisors who are not right for the task and only hurt themselves and their families in the long run, if not the short run. Most of the time it isn’t the advisor's fault because the industry and the firm they are with has not prepared them to handle comprehensive financial planning. This guide will not only inform you of the reasons hiring an advisor is such a challenge today, but more importantly how to find a financial advisor or wealth advisor that is a perfect fit for your family.

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Taxes too high?

“Any one may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury; there is not even a patriotic duty to increase one's taxes.”
—United States Judge, Learned Hand

Think about that quote for just a second. We do not have any patriotic duty to voluntarily increase our taxes. If that’s the case, then wouldn’t it make sense to do everything we possibly could to reduce your tax bill. Here are several tax reduction strategies; some are simple, some are very sophisticated and you’ll want specialized help to implement them. Many of the strategies will work for income tax purposes and some will allow you to reduce or eliminate estate taxes. If you have any questions, we’d love to hear from you.

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Business Succession Decisions

With the odds stacked against a successful transition/exit, we have found that there is a formula that other business owners have followed. We’d like to walk you through what that might look like for you and your business.

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How to Run a Request for Proposal (RFP) for Your 401K

Properly maintaining the company 401K can be a monumental task for the plan sponsor. Following these simple steps should make your job much easier. To begin with, a Request for Proposal (RFP) should be done every three years in order to ensure that your current plan is both competitive and the platform is up to date given the current 401K landscape. The RFP process should describe the company’s objectives; help answer any questions and set expectations for the candidate vendors. This process lays the foundation to help identify a 401(k) provider for your business and its employees.

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Portfolio Design

There is no reward without risk. However, you can minimize your risk and increase the likelihood of favorable returns just by understanding how to manage the five critical concerns to long-term investing.

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Maximizing Business Value

Jack Stack, best-selling author of The Great Game of Business, said it best in his testimonial, “Imagine walking into a library and finding one book that captures the ideas of all the books in the library. Scaling Up is that business book. You will not have to go any farther.” Which is exactly why we felt it was worthy of its own space on our website. We recommend that every one of our family owned businesses not only read this book but put it into practice.

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Reward and Retain Top Employees

People make a business idea come to life. It is your people you would like to reward and retain. High turnover can be harmful to your business. Fortunately, there are many ways for you to promote the retention of your key employees. Check out some of these creative ways to help retain and reward employees.

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