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Real Life: Real Solutions
Managing your investments, minimizing risk and
planning to achieve your life goals take time, patience and
expertise. At Nauticos Investment
Advisors we provide thoughtful, expert advice tailored to fit your life and its
challenges. Below you will find several
ways in which Nauticos Investment Advisors works with its clients to provide
real, custom solutions to their challenges.
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Near Retirement |
Young Family |
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Background:
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The clients were several years away from retirement and were looking
forward to being able to enjoy their retirement without worrying about the
stock market rollercoaster. While the
clients were planning to retire in several years, their investments would need
to grow well into the future to provide enough income for them to enjoy their
retirement. |
Background: |
The clients were a family with two young children. Between planning for future college costs, saving
for retirement and juggling a growing family the clients needed help creating
and implementing a financial plan. |
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Goal: |
Reasonable growth with less risk |
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A financial plan that would grow
with their family, allowing them to achieve their financial goals of providing
for their children’s college educations while also being able to retire when
they chose. |
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Our Solution: |
Nauticos Investment Advisors created an investment plan that allowed the
clients' portfolio to grow significantly above the rate of inflation but with
limits on the exposure to stocks. Constantly evaluating the attractiveness of stocks vs. bonds vs. other
investments based on market conditions has allowed the clients peace of mind
knowing that their retirement savings are not dominated by the ups and downs of
the stock market. |
Our Solution: |
Together, we created a projection to determine how much the clients
would likely need to save to fund their college and retirement goals. During this process we looked at current
college choices and estimates of future college costs as well as the expected
need for retirement. We factored in
inflation, lifestyle, social security and other impacts such as the sale of
other investments (real estate., businesses, etc…). Some of the important planning items we
considered were tax savings, flexibility and the ability to tap the savings in
an emergency. Finally we crafted and
implemented an investment plan that used several tax-advantaged accounts to
allow our clients’ investments to grow as efficiently as possible. |
Business Owner
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High Net Worth
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Background: |
The clients owned a successful and expanding small business. Because of its size, the clients were
concerned about being able to invest their own savings while also managing the
administrative burden of a company retirement plan. |
Background: |
The clients were successful entrepreneurs with substantial investments in
stocks, bonds, real estate and business assets. |
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Goal: |
To plan for retirement while
helping their business grow with a minimum of administrative burden and
reasonable costs |
Goal: |
To maximize the value of all of their assets
while minimizing taxes and planning for the passing of their estate to their
heirs.
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Our Solution: |
We crafted a plan that allowed our clients to immediately start funding
IRAs for themselves and at the same time put in place a 401(k) retirement plan
for their business. A flexible, low-cost
401(k) plan is great for small businesses because it allows them to defer a
significant portion of their income. This can lower both their business and personal income taxes while
allowing them to aggressively contribute savings to a tax-advantaged plan for
retirement. At the same time, a 401(k)
plan can make it easier to attract and retain employees with a minimum of
administrative burden. |
Our Solution: |
Working with estate planning lawyers and accountants, we created a plan to reduce taxes today while also minimizing the taxes the clients might pay later in life and upon the passing of their estate. We analyzed the financial implications of various estate planning structures and evaluated the conversion of their substantial Traditional IRA to a Roth IRA. Their detailed investment plan including tax-efficient investments, interests in Master Limited Partnerships and the receipt of substantial dividend payments while taking firm advantage of market opportunities. Nauticos Investment Advisors constantly manages clients' liquid assets to fund other business investments and cash flow needs as they arise. |
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Background: |
The clients were well into their retirement and had enough income
through pension, social security and earnings from real estate investments to
live comfortably. |
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Goal: |
To manage a portfolio of assets
that would be passed along to their children and grandchildren |
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Our Solution: |
Nauticos Investment Advisors created an investment plan to tax-efficiently
manage the growth and inheritance of their portfolio to their heirs. In building an effective plan we took into
consideration federal gift-giving regulations, tax-advantaged accounts for
college tuition and retirement accounts with favorable estate-planning
characteristics. Given the longer-term
horizon of the heirs we continue to manage the portfolio for substantial growth
with the ability for the clients to tap into the funds if unexpected events are
to happen in their lives. |
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