Services

PWSG offers a wide range of financial planning services. Please click on a category of services to learn more.

Customized Financial Planning

IDEAS

Identify | Develop | Execute | Adapt | Solve

PWSG utilizes the expertise of an in-house CERTIFIED FINANCIAL PLANNER™ (CFP®) to provide customized financial consulting through either a fee-based or hourly arrangement. This includes a complete evaluation of a client’s financial planning objectives and preparation of a written financial plan, review of the plan, and implementation of the plan’s recommendations.

Financial plans are prepared based on specific client goals, and incorporate our 11 PILLARS OF WEALTH MANAGEMENT:

  1. Retirement Income Planning
  2. Risk Mitigation
  3. Integration of Tax Efficient Strategies
  4. Investment Management
  5. Cash Management
  6. Management of Liabilities
  7. Wealth Distribution Planning
  8. Charitable Gifting Strategies
  9. Business Succession Planning
  10. Integration of Stock Options/Restricted Stock
  11. Document Review

 

PWSG works closely with your other advisers to create a comprehensive, tax efficient plan to meet your needs. For clients who engage PWSG for Customized Financial Planning services prior to or in addition to Investment Management services, PWSG may include review and updates to the financial plan at no additional charge other than the annual investment management fee. Complex changes to a client’s existing financial plan may be billed at an hourly rate, and an estimate of the amount of time required will be provided to and agreed upon by the client in advance. PWSG also provides consulting on investment accounts at an hourly rate, for clients who desire to maintain sole responsibility for implementing the recommendations.

cfp

CERTIFIED FINANCIAL PLANNER™ professionals can be an essential resource  for dealing with all aspects of your financial security. CFP® professionals have completed extensive training and experience requirements. Most importantly, CFP® professionals are held to rigorous ethical standards.  They understand the changing financial climate and will make recommendations in your best interest.

Read about the “Five E’s” of CFP® Certification. – See more at: http://www.letsmakeaplan.org/cfp-pros-their-expertise/highest-standards#sthash.jkfWROB8.dpuf

Upholding Fiduciary Standards

As a Registered Investment Advisor (RIA), we are a fiduciary to our clients. We have a fundamental obligation to act in your best interests – this is our duty of loyalty and good faith. More information is available at this link:

https://www.sec.gov/divisions/investment/advoverview.htm

Plan-Based Investing

“Our goal to help our clients reach their financial goals with least amount of risk required.”

Through our Registered Investment Advisor (RIA) affiliation with Charles Schwab and our Broker/Dealer affiliation with First Allied Securities, Inc., we can provide a wide-range of diversified financial products for optimum investment management. Together, we offer you the objectivity of working with a Registered Investment Advisor and an independent financial consultant combined with the stability and strength to access the world’s financial markets and a wealth of investment resources.

Below is a detailed list of financial product offerings from our affiliated custodian for your investment management needs, Charles Schwab and our Broker/Dealer, First Allied Securities, Inc.

Stocks

  • NYSE-listed stocks
  • NASDAQ over-the counter
  • All other major exchanges
  • Foreign stocks
  • Initial public offerings
  • Margin accounts
  • Corporate finance
  • Investment banking
  • 144 and other restricted securities sales
  • Employee stock-option plans

Cash Management

  • Daily sweep accounts
  • Money Markets
  • Insured CDs
  • Online account access

Retirement Accounts

  • IRAs
  • SEP/IRAs
  • Roth IRAs
  • Education IRAs
  • Simple IRAs
  • Defined construction
  • Money-purchase pension plan
  • Profit-sharing plan
  • 403(b)
  • 401(k)

Mutual Funds

  • Open-end funds
  • Closed-end funds
  • Networking
  • Dividend reinvestment

Unit Investment Trusts Asset Management

  • Independent manager research
  • Performance monitoring and reporting
  • Wrap-fee accounts
  • Asset allocation
  • Fee-in-lieu accounts
  • Outside managed accounts

Bonds

  • CMOs
  • Convertible
  • Corporate
  • Municipal
  • Zero Coupon

Government Securities

  • Ginnie Maes
  • Treasury bills
  • Treasury bonds
  • Treasury notes

Options

  • All major exchanges

Insurance

  • Fixed annuities
  • Variable annuities
  • Term life
  • Variable life
  • Universal life
  • Whole life
  • Disability
  • Long-term care

Alternative Investments

  • REITs
  • Equipment leasing
  • Managed features
  • Equity-linked notes
  • Oil & gas programs
  • Tax credit programs
  • Real Estate LLCs
  • Mortgage Funds

And More…

  • Education and 529 plans

Qualified Retirement Plan Design and Administration

The Economic Growth and Tax Relief Reconciliation Act of 2001 and the Pension Protection Act of 2006 have greatly expanded the ability for small business owners to increase the efficiency of a qualified retirement plan and maximize deductible tax-deferred retirement savings. However, there is not a “one size fits all” qualified plan solution for business owners – there are many types of plans and plan combinations that can potentially be used. Expertise is required to determine what plan structure best meets the specific needs of each business owner.

PWSG has years of experience in providing our business owner clients with customized retirement plan solutions. We work with our third party administrators to design a customized retirement plan structure that meets a client’s specific needs and objectives, maximizing benefits for employees who deserve to be rewarded while complying with statutory requirements which ensure non-discrimination. We serve as the team leader for all components of this “end-to-end” solution: design consultation, plan implementation, annual administration, and investment management of plan accounts.

The process beings with a no-obligation, no-cost “Pension Feasibility Study” to determine the most appropriate retirement plan option(s), based specifically on a client’s funding goals and business structure. We also utilize the Pension Feasibility Study to evaluate a client’s current retirement plan structure, with the intention to identify alternatives that can improve efficiency.

Divorce Planning

PWSG provides DIVORCE PLANNING SERVICES to divorcing individuals and to divorce professionals (attorneys, mediators, and arbitrators) at an hourly rate. Graham Guess received his Certified Divorce Financial Analyst™ (CDFA™) accreditation from the Institute for Divorce Financial Analysts™ (IDFA™). In addition to his comprehensive planning background as a Certified Wealth Strategist® (CWS®), he is also specifically trained to evaluate the short- and long-term financial impacts of proposed divorce settlements, including tax implications, division of property, and support payments.

Services for Divorcing Individuals

PWSG provides financial expertise to a divorcing individual on a confidential consulting basis. As a CDFA™ , Graham helps divorce clients gather relevant financial information, provides review of financial data, and produces personalized reports based on the individual’s different settlement scenarios. The personalized reports illustrate the specific financial impacts of different settlement options, analyzing net worth, cash flows, division of assets and income streams (including alimony and child support), and tax implications of asset divisions and income streams.

PWSG’s services for divorcing individuals include:

  • Review and analysis of assets/liabilities and income/expenses
  • Review of financial documents to uncover hidden assets
  • Detailed financial reports of divorce settlement options, including short- and long-term tax implications
  • Analysis of proposed alimony settlements, including amount and duration of payments
  • Assistance with preparing Financial Affidavits
  • Divorce financial planning
  • Divorce settlement insurance

Services for Divorce Professionals

PWSG provides DIVORCE PLANNING SERVICES to divorce professionals such as attorneys, mediators, and arbitrators at an hourly rate. As a CDFA™ , Graham assists other divorce professionals in their efforts to determine an equitable settlement for a client. His role as a member of the divorce team includes quantifying a client’s current financial situation, as well as in analyzing the potential impacts of various settlement proposals.

PWSG’s services for divorcing individuals include:

  • Review and analysis of a client’s assets/liabilities and income/expenses
  • Review of financial documents to uncover hidden assets
  • Assistance with preparing Financial Affidavits
  • Detailed financial reports of divorce settlement options, including short- and long-term tax implications
  • Analysis of proposed alimony settlements, including amount and duration of payments
  • Assistance with divorce settlement negotiations
  • Litigation support

*PWSG’s Divorce Planning Services are separate from Services offered through First Allied Securities, Inc. They are therefore not endorsed or affiliated with First Allied Securities, Inc.

Post-Divorce Planning

PWSG understands that individuals may feel a great deal of financial uncertainty as a result of a divorce.  Therefore, our firm offers post-divorce planning and wealth management services, helping clients navigate their post-divorce years with increased safety, efficiency, and control based on a personalized financial plan.  This service is based on our 11 Pillars of Financial Planning, focusing particularly on post divorce planning issues of cash flow, risk mitigation, asset protection and estate planning.

Wealth Management for Professional Athletes

At PWSG, we are familiar with the highly unique financial situations of today’s professional athletes. We also understand the critical need for sound financial planning in order to ensure that a professional athlete’s limited earnings period can adequately sustain his or her post-professional retirement phase.

The professional athlete’s Agent serves as the Captain of the athlete’s TEAM of advisors. As a member of this TEAM, we serve as Quarterback for the professional athlete’s financial matters. In our role as Quarterback, we aim to maximize the efficiency, control, and safety of converting a high, compressed and uncertain window of earnings into sustainable retirement savings. We also serve as Gate Keeper for the professional athlete’s financial wellbeing.

The centerpiece for our Wealth Management for Professional Athletes is the customized financial plan. Our protocol specific to the Professional Athlete also includes:

Investment Management

We provide analysis, review, and implementation of investment management programs in support of a sustainable, long term retirement phase. As the Gate Keeper of the professional athlete’s financial well being, we also provide due diligence and risk analysis of investment opportunities directed to the athlete from outside parties.

Asset Protection

Risk mitigation, in the form of appropriate asset protection measures, is paramount for ensuring that a professional athlete minimizes unnecessary losses of his or her assets to fraud, creditors, or unscrupulous litigious efforts.

Our planning protocol identifies potential risks for our professional athlete clients, and we collaborate with appropriate legal experts to implement and maintain asset protection structures. As part of our risk mitigation services, PWSG provides Divorce Planning expertise, focusing on short- and long-term financial impacts of proposed divorce settlements, including tax implications, division of property, and support payments.

Cash Management & Bookkeeping

We recognize that the day-to-day cash management and bill paying needs of professional athletes can be complex due to intense training, competition, and travel schedules. These are important support services that help maximize efficiency, control, and safety of not only the professional athlete’s daily life, but also his or her overall financial plan.

PWSG engages third party specialists to provide bookkeeping, bill-pay, and budgeting services for our professional athlete clients. As an additional layer of due diligence, we recommend that these specialists are routinely audited by an independent accounting firm – we provide referrals to firms that provide this audit service.