Business Owner Questions

What type of corporation should I form? How do I benefit from a taxation stand point? From a legal stand point? Should I provide employee benefits, such as health insurance, group life insurance, group long-term disability income insurance, and 401k or IRA? What is a DB and DC Plan(Defined Benefit and Defined Contribution plan)? What's Profit Sharing Plan? Are any of my competitors doing these? What's the best option for me, my business, and my employees? Do I have to contribute to all my employees or can it be discriminatory? How do I keep my top employees and executives? What if one of them die pre-maturely or become disabled? Will that affect my business? By how much? How long will I recover from my losses? Should I consider a Key-man life and disability insurance? Should I consider an executive bonus plan? I have a partner in the business with me, what if he retires from the business, becomes disabled, or dies? How will his/her shares be distributed to his/her family? What if I don't want to liquidate part of my business to pay his/her family because I need the capital to run my business? Will his/her family want to be in business with me? Do I want them to be my business partners? Will I be dealing with their attorneys? Will there be broken relationships? I have a buy-sell agreement in place, should I fund the agreement? How? Contact us for a FREE business analysis.

Estate Planning Questions

What is a probate? How does it affect my family or me if my parents' assets were going through probate? Do I or my parents need a trust? What type of trust(s) do I need? What's a revocable and irrevocable trust? Do I only need a will? Should I have my trust own some of my assets and not others? Does a successor ownership make more sense? Should I name my trust as the primary beneficiary or contingent beneficiary? What is a Trustee? A Guardian? An Executor? Power of Attorney? Healthcare Agents? Will I owe estate tax when I die? How about my parents? If so how will that be paid and when and who will pay for it? What happens to my special needs child? Do I need a special trust for that? I'm not a U.S citizen, does it make a difference when it comes to estate planning and estate tax? What if I don't want to give one of my kids anything? What are JWROS, CPWROS, TOD, JTIC, CP, JTIE, JTOD, etc and their effects on my beneficiaries? Who will make medical decisions for me when I cannot? What's Advance Care Directive? Why do I need to have a copy with me and why do I need to have quick access to it?

Real Estate and Financing Questions

Should I purchase a home or rent? What are the benefits of owning vs. renting? Or vice versa? Should I buy a home in a great school district or rent? What are the costs or opportunity costs of these decisions? How does my mortgage interest help reduce my income tax? Am I putting too much down on the house? Or not enough? Should I get a 30 year fixed loan or 5/1 ARM? What's FHA? Should I refinance my house? With money out? Are loan interest rates going to rise or decrease? Should I pay more towards to my principal or use the money to invest? How much tax am I really deducting? Should I purchase the rental property or invest it in the stock market? What is my rental property's rate of return per year? Is my rental property a good investment after all? Do I have too much invested in real estate or not enough? Are there other alternative real estate investments? How do I participate in commercial real estate without a huge investment requirement? What is Real Estate Investment Trust? 

Investment Questions

Why should I invest? Do I have a purpose for my investment? Retirement? Kids' education? Saving for a house? Just simply grow my money to beat inflation? What is my goal? How long is my goal? When do I need this money? Do I need all of it or just part of it? Should I manage my own money? Do I have the time to watch the market every day? Do I know where opportunities are in the market today? Should I go international or domestic? Emerging markets or developed countries? Commodity or precious metal? Fixed Incomes or Equities? Large Cap or Small Cap? Or all of them? Do I have the resources and knowledge to manage my own money? Do I understand the market? What are preferred and common stocks? Mutual Funds? Bonds? Munis? ETFs? ETNs? MLPs? UITs? REITs? BDCs? LPs? DPPs? IULs? VULs? WLs? UMAs? SMAs? Alternative Investments? Private Equities? Hedge Funds? Partnerships? Options? What's the best for me? Do I need a broker or can I get all these on my own? Why do I want to invest in any of these? Are there tax advantages? What's tax harvesting? What is diversification? Am I diversified? Who's managing my money? How much fees am I paying my advisor to manage my money? How much fees am I paying in my 401k account at work? How much am I supposed to pay? How much risk can I take or do I want to take? Will it bother me a lot if I lost all of the money or part of the money? Will I be okay with a short-term loss for long-term gain? Are there strategies that can help me reduce risk? Are there any guarantees? Should I invest monthly? Quarterly? Annually? What's Active Management vs. Passive Management? Which style is better suited for me? Can I make money when the market is down? Up? Sideways? Where do the institutions invest their money? Can I get what they have? How are bond interests going to affect my investments? Should I purchase a rental property? Get your FREE investment analysis.