financial life strategies . . . for individuals . . . for businesses
RETIREMENT MATTERS
TAX MATTERS
WORKSHOPS AND EDUCATION - TRAINING, TUNING, FOLLOW-UP
ALLIANCE helps clients strengthen their portfolios in these focus areas (scroll down for your specific situation):
Overall Strategy, because if you do not have one, you are meandering or lost or, worse, others likely have a strategy for you.
Continuing Improvement and Oversight, because your investments, businesses and other holdings need to adopt to evolving exposures and risks, to keep your course protected and reflective of your often changing interests.
Tax Matters, because nearly 100% of the people we've met have been overpaying their taxes. No portfolio is even remotely sound without correctly addressing taxation with a lifetime strategy. Such strategies often bring about the greatest savings.
Retirement Matters, because most investments pertain to retirement and most money is lost here. People need correct knowledge to protect and grow their retirement portfolios.
Estate Matters, because it doesn't end when you die. It often continues, and the manner in which you plan this may have more impact that what you do while you are alive. Most money is gained here through sound protective and planning measures.
AN OVERALL STRATEGY
CONTINUING IMPROVEMENT AND OVERSIGHT
For Individuals
Your greatest monetary outlay is with taxes.
Most people have, at best, an inefficient tax strategy or none at all.
A main reason for this is that we are living within a default ordinary income tax structure, and we are conditioned toward this default, to think that nothing else can be done . . . but this is not true.
Most people are unaware of even the easy tax-free opportunities to grow their investments and fund their retirement portfolios.
Alliance helps people explore these opportunities and identify those that would best fit their financial positions in terms of protection, savings, growth and timing.
The greatest growth and savings are often realized when these tax-free opportunities are established within a financial life strategy.
For Businesses
Besides salaries, the greatest monetary outlay is taxes.
95% of businesses do not take advantage of the tax efficiencies that are available to them.
A main reasons for this are lack of knowledge, access to available expertise, lack of a cohesive strategy, and being conditioned to think that there is nothing that can be done about it.
Most who sell or transfer their businesses pay tremendously more in taxes than they need to.
Alliance helps businesses with tax strategies for operations, assets and retirement/pension funding/management, applying tax-saving approaches via corrective structuring and incorporating applicable federal tax-savings programs.
The businesses we work with have saved tens of thousands of dollars after adopting our recommendations.
For Individuals
Two huge retirement risks: lack of planning, lack of knowledge.
Responsibility for retirement planning increasingly falls on individuals . . . and most of us are not good at it.
This is mainly because we are conditioned into singular-market, singular-taxation, government-assisted retirement thinking.
We help people to fully assess their retirement plans, implement the needed realignments to address and reduce the risks that threaten their portfolios and provide ongoing guidance.
The result is a financial life strategy that fits to your ongoing situation and transitions into a continually managed, asset-protected, truly diverse portfolio that identifies and takes advantage of safe growth opportunities.
For Businesses
[If you have employees, please read the section at left, Individuals, because they are conditioned and confused by retirement.]
Your greatest asset is your employees.
Most businesses provide only a singular-taxation, stock-market retirement plan instead of a plan to better benefit both the employee and the business.
This is because most businesses are conditioned about their retirement thinking. It is very easy for businesses and employees to join basic cookie-cutter plans, and easy for the financial industry to manage these. Employees (and employers) are disadvantaged as a result.
Most employees (and employers) would welcome retirement plan alternatives that reduce their taxes and provide better options.
Alliance creates and optimizes this greatest employee fringe benefit.
The result is a business retirement system that creates tax-reducing benefits, is diverse and reduces risk, encourages employee loyalty and performance, and creates a versatile asset base.
For Individuals
Your greatest financial need: a sound strategy that encompasses all of your major financial assets, liabilities, and plans.
Financial planning is not just about retirement. Many of us will not retire. The ideal life would be to live, to the very end, doing what we love and are called to do. Meantime, we are careering, buying homes, raising children, paying for college and healthcare, making investments, etc. Without an ongoing strategy, we are exposed to unnecessary risks. In short, financially, we are toast (and most of us don't even know it).
Most have no strategy to plan for and address their major outlays.
The reason for this is that the default is to not have such a strategy, nor to be educated on what comprises one. Corporations, financial services and governments benefit most from this default.
This lack is our largest single cause for financial shortfall and failure.
Alliance helps people get established in their financial strategies, conducting assessments, identifying immediately needed remedies, formulating a game plan, and helping with ongoing progress. We also help with legal strategies (trusts and estates) and help to build collaborative financial teams that are best-fit to support our clients. Key approaches include true diversification, risk reduction, tax-free opportunities, disciplined growth, with an ongoing plan that is modified as economic and personal changes might dictate.
It's easier than you might think.
The result: knowledge, a game plan, and a road map to track all of your major financial aspects - assets, liabilities and instruments - focused within the context of your unique strategy, leading to your enhanced prosperity, security, and success.
For Businesses
Lack of or inadequate planning results in major shortfall and failure.
There are regulatory, tax and legal requirements that, without knowledge and proper planning, result in eventual large and unnecessary loss.
Managing this can be difficult; the regulations, scope and assets of a business are complex. Almost all businesses are:
a) not structured properly, end-to-end
b) not informed of tax and legal implications (and benefits)
c) without a sufficient financial end vision
Many owners are too busy with day-to-day operations to be concerned about the end, and consider that such plans are unreliable or too difficult. They think that only large businesses with a legal team can operate in a low- or no-tax fashion. This is not true.
Adopt an effective strategy that fully protects assets, liabilities, operations, and other tangibles/intangibles.
Regular plan reviews - legal, tax, regulatory, asset, succession and other elements - will positively impact a business's bottom line, value and sales price. Alliance conducts business reviews, and recommends ways to strengthen key aspects, address threats and take advantage of very significant savings opportunities. Once these modifications are achieved, we help the business stay the course and provide ongoing education and guidance.
The result:
A strategic road map for all major aspects;
Knowledge and the planned disposition for each business facet - assets, liabilities, operations/research, intangibles;
Planning and strategies for managing regulatory, taxation, compliance and succession concerns;
Thousands and perhaps millions of dollars saved
For Individuals
The need for proper oversight exists with any financial endeavor.
We are our own greatest risk.
It is a mistake to have a singular-minded financial adviser.
A singular-minded adviser is unlikely to see, let alone show, the overall financial picture. Instead they advocate their niche services above all others, and act separately. As a result, our portfolio can go out of balance and exposed to other risks.
Adopt a general management approach to your financial portfolio.
A financial oversight general manager coordinates financial, accounting, tax, insurance, legal and other experts to work together for the client's benefit. That way, balance is applied to all facets, with all advisers aiming for the same goal: the client's prosperity.
The result is managing along a continually improving financial road map, with your proper involvement, to achieve your goals in an active, systematic and safeguarded way.
Do not leave your financial empire at risk with a singularly-minded adviser who advocates only the market segment. Grow and maintain a good financial team with a general manager partnership.
For Businesses
The need for proper oversight exists with any endeavor worth achieving.
Assess and reposition to address the major issues that harm your bottom line.
Businesses owners need same-thinking, character-driven management to execute their mission. From this, businesses become more enduring, provide excellent-quality products and services, and become very profitable.
Adopt a continual-improvement approach to increase the quality of your financial management and products/services.
Alliance helps businesses establish working methodologies for financial and operational excellence. The processes forming the business backbone are monitored, improved continually, leading to objectives reached by staff actively focusing on the same goals.
The result: leadership and team alignment with mission, goals and objectives; increased employee loyalty and performance; high quality products/services; continual improvement; increased customer satisfaction and loyalty; increased profitability
For Individuals (and small groups)
Nothing stays the same, and your gaining of the necessary knowledge precludes everything else you do, if you wish to do it well.
Alliance provides two key workshops that bring immediate value and savings:
Tax Matters
The taxation system and how to improve your tax circumstances.
[Four courses, available in half-day and one-day workshops]
1 - How the Tax System Works - A history and overview of the two sets of tax laws; how one can benefit you and how the other drains your financial resources.
2 - Situational Fixes - Commonly overlooked tax benefits, allowances and deductions, how to incorporate these for your next 1040 tax return and lower your tax obligation.
3 - Tactical Fixes - How to improve your income situation with relatively unknown and little-used tax deductions and approaches that will lower your tax obligation.
4 - Strategic Fixes - How to incorporate long-term and permanent change into how you view and manage your tax circumstances going forward, and permanently lower your greatest lifetime expense.
[optional] Personal Tax Assessment - Each attendee has their tax conditions reviewed at the situational, tactical, or strategic levels, and are provided with recommendations for lowering their greatest expense.
Financial Life Strategies
Chart your financial future, control and manage your portfolio - with focus on adviser management, tax reduction, protection, systematic savings, low-risk growth.
[Six courses, available in two-hour*, half-day and one-day workshops]
1 - Your Overall Default Picture - Today's factors and systems that are negatively impacting your bottom line and separating you from assets you need for investments and financial management.
2 - Adopting a Sound Strategy - The components that make up a strong, balanced, ongoing portfolio management system.
3 - Establishing the Lay of the Land - Putting together an accurate and complete picture of your financial situation.
4 - Putting Together a Game Plan - How to incorporate an overall strategic growth strategy based on your resources, goals, risk tolerances, behaviors and financial instruments available to you.
5 - Having a Track to Run On - Reviewing the game plan on a regular basis, to track progress, make adjustments based on living needs, and make mid-course corrections based on market and personal economies.
6 - Good Knowledge; Good Behaviors - Gaining the knowledge you need to navigate varying economic conditions, oversee and manage your specific portfolio assets, balanced with a right mix of advisory support. Adopting healthy behaviors to grow your portfolio and quality of life.
[*The overall course is also available as a two-hour QUIK-TRAIN course, a bullet-point power session for executives and leaders, and can be held in early-morning, after-work and lunch timeframes, as well as regular daytime hours.]
For Businesses
Nothing stays the same, and your gaining of the necessary knowledge precludes everything else you do, if you wish to do it well.
Alliance provides two key workshops - tailored, integrated, and directly applied toward your business's actual circumstances:
Financial Matters
This workshop reviews tax opportunities, provisions and situations that will significantly lower business taxes.
*** [Tax Matters for employees and teams is also available; please see the section at left, Workshops and Education - Individuals.]
[Three courses, available in half-day and one-day workshops]
1 - Situational Fixes - Common aspects of a business that can be easily revised for greater profitability. We explore:
- Assets - Assignments, sales, inventories - save against loss and taxes
- Employee benefits - Explore ways to better benefit your employees
- Charity - How to incorporate charity ,establish good will, save taxes
2 - Tactical Fixes - How to incorporate less-commonly known approaches for lowering or eliminating business taxes: We explore:
- Asset sales - with reduced or zero capital gains tax
- Tax credits - how to qualify, how to apply them and lower taxes
- Legal - protecting your business from creditors and lawsuits
- Qualified business income [QBI], how to utilize it to full benefit
3- Strategic Fixes - How to incorporate long-term and permanent change into your business tax situation going forward. We explore:
- Tax-reduced business and asset sales
- Zero-tax retirement plans for business and employees
- Trust, insurance and key-employee strategies, to reduce taxes
- Prepare your business for sale today; save huge at time of sale
Operational Matters
This workshop covers the major aspects of a business that impact quality and profitability.
[Six courses, available in half-day and one-day workshops]
1 - Asset Management - How to better track and manage major assets, throughout their lifetimes, and how to best dispose of them to decrease taxes.
2 - Project Management and PM Offices* - Project management is essential if any business is to stay current and competitive. Introducing new (or improving existing) products and services requires this facet. How to easily implement a streamlined and results-oriented project management structure.
3 - Customer Value* - How to understand your customer, meet their needs, gain and keep their loyalty, and increase referrals
4 - Process Improvement and Re-engineering - How to establish a simple measurable process to reduce errors and continually improve the quality of products and services
5 - Measuring and Monitoring* - How to accurately determine whether your processes are on track with your improvement goals, what to measure, how to measure it
6 - Organizational Team Culture [for leadership]* - Keys to establishing a vision-following team that will support the mission and strive together to achieve goals and objectives.
[*These courses are also available as two-hour QUIK-TRAIN courses, bullet-point power sessions for executives and leaders, with time and content tailored to executive requirements.]
