The #1 Reason Why Affluent Americans are dissatisfied with their current financial advisor

"He is not proactive about contacting me when upcoming tax and other changes will impact my investment portfolio."
(Source: The Oechsli Institute survey of affluent Americans).

Perhaps you feel the same. 7 other key reasons from the survey are listed on the bottom of this page. *

How can you determine if this applies to you?   Simple!

Has your current advisor discussed the following with you?

• Did you lose any money, in the worst bear market since the Great Depression, the 2000-2002 period? Were you aware that some advisors were using investment strategies that had a return of principle guarantee.

• Why Dow 12,000 and the "get back to even" mentality may be devastating to your portfolio.

• The 2 must ask questions before you accept risk in any investment. (And now they are critical!)

• Why America's Wealthiest Investors have removed their children's names as beneficiaries on their annuity contracts. (Don't worry the kids will actually get more.)

• Why America's Smartest Professional Investors recently became sellers of some or all of their real estate holdings.

• The 3 step review process you should accomplish before calling a realtor to sell your home or commercial property. (This could save you considerable time and money.)

• How do the new lower capital gains rates effect you?   Will you have phantom income that you need to offset by adjusting your investment portfolio now?  

• Is your IRA or qualified plan being penalized and you aren't even aware of it?   (One question will answer this for you.)

• If you were sued or had a judgment against you, are any of your assets at risk? (Asset protection against malpractice, divorce, bankruptcy or other types of judgments.)

• How you can reduce or completely eliminate capital gain and estate taxes.

• Learn how you can get thousands of dollars out of your business TAX FREE and eliminate business income tax.  

• See if you qualify for a municipal bond portfolio with LOW RISK and TAX FREE income for life.

• Reduce or eliminate required minimum distributions (RMD's) while increasing the value of your qualified plan and passing to your beneficiaries both income and estate TAX FREE.

• The most TAX and COST EFFECTIVE way to pass a business on to family members and/or the management teams, where the founder receives FAIR MARKET value for his stock and family members or management team receive funding needed to make this business purchase.

 If you are not discussing the above issues you are not unlike the majority of affluent people who are using a "look back" investment process.   Your financial advisors are discussing what has happened historically with your tax and investment decisions, rather than being "proactive" and also discussing what can and will happen when you look and plan forward.  

Changing to a forward planning approach could save you tens of thousands of dollars in the future as well as help with risk avoidance, lawsuit avoidance, identifying opportunities, avoiding tax nightmares, beneficiary mistakes, charitable opportunities, business transition mistakes, real estate sales problems and a variety of other benefits derived by helping you and your advisors look forward in your best interest.

Wealth Management is the missing element in your planning.   The word "management" encompasses the missing traits in the old traditional "investment product buying" and "look back" methods.   Those missing traits include:   Leadership in guiding a team of professionals to "look ahead" and work together on your behalf, Identify and evaluate risk and plan for its consequences, understand you and your family's desires for your future, communicate that desire to bring the proper professionals, planning and products or services to meet those desires.

The Wealth Manager best suited to accomplish those goals for you is Robert Sayman of Capital Choice Advisors.   Unlike other advisors who were formerly insurance agents or stock brokers, Robert's successful business career (see Bio) makes it easy for him to bring unique perspective, real world experience and independent analysis to the planning process.   Bob served as a Senior Executive for two fortune 500 companies, Dupont Co, Shaw Industries and as CFO of Aldon industries, a publicly held firm.   Bob holds two U.S. Patents for his inventions while at Shaw Industries, is co-author of the book: Asset Protection and Wealth Preservation and is an accomplished speaker and educator on wealth management concepts and practices.

* The survey of Affluent Americans went on to uncover the following additional areas of concern:

My Current Advisor doesn't...

• Clearly reveal their fee structure.
• Clearly understand my goals and family situation when giving investment advice.
• Bring in experts to help with other financial areas.
• Help me select the asset mix for my investment portfolio.
• Help me create a formal financial plan.
• Help me coordinate and organize all my financial documents.
• Coordinate investment decisions.

 Who Is Capital Choice Advisors? 

• We are a wealth management advisory firm in Charlotte, NC since 1994.
• We are true advisors, like your family doctor, attorney, or accountant, working to satisfy our clients' objectives by keeping to an educational and consultative approach.
• We are certifiably trained and licensed in the 10 specialized disciplines that constitute wealth management - namely, Tax Planning, Investment Planning, Asset Protection, Insurance Planning, Retirement Planning, Estate Planning, Business Planning, Business Succession Planning and Charitable Giving.
• We offer objective consultations on the pros and cons of various planning strategies used by business owners, professionals and high net worth people to safely grow and protect their assets.

What is wealth management?

Wealth management is good stewardship; it is the ability to grow one’s assets using the most productive, economical, low risk and tax-efficient methods available while at the same time structuring those assets so they are protected from creditors, lawsuits, divorce, market declines, taxes and other unforeseen risks.

Benefits of wealth management planning?

• Reduced income, capital gains and estate taxes.
• Protection of assets from judgements and creditors.
• Reduce or eliminate taxes on Qualified Plans.
• Improve yields with less risk and broad diversification.
• Best way to manage liabilities such as mortgages and college funding.

Capital Choice Wealth Management Services:

• Tax Planning: Key component of all planning disciplines.
• Investment Planning: Learn how to invest your serious money with the confidence of knowing your investment goals are a priority .
• Asset Protection: Dramatic reductions in income taxes, capital gains and estate taxes.
• Insurance Planning: There are over a dozen different types of insurance in addition to captive insurance companies and self insurance options.
• Retirement Planning: How you draw down your retirement funds is critical to how long they last.
• Estate Planning:  Protection for you and your estate from creditors, lawsuits and taxes.  This is a service every high net worth American needs.
• Business Planning:  Learn how to optimize the TAX FREE advantages of running your own business.
• Business Succession Planning: Must plan for the inevitable to maximize returns.
• Charitable Giving:  Receive favorable tax deductions and a lifetime income stream while helping your favorite causes.

To learn more about how these key issues could be effecting your financial future, and for a free, no obligation consultation to discover if a wealth manager is "the right fit for you", Click Here or Call Robert Today!

704-542-5499