Many advisors ignore the liability side of a client’s balance sheet, failing to realize the significant role it plays in prudent wealth management. Among other issues, this can add years of unnecessary payments to loans and reduce retirement cash flows.
We take a strategic approach to your liabilities and borrowing needs and can help you compare and analyze terms and debt structures to optimize your entire balance sheet.
Our customized ‘event risk’ analysis is based on your unique situation and is provided in a quantifiable and objective manner.
Your risks might involve income replacement, liability exposure, asset preservation, long-term health care, or estate taxes. Our process enables us to help you assess those risks and determine the best course of action. If appropriate, we can develop strategies for your consideration or work closely with your liability and insurance professionals.