Money Management |
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Yes, a key part of our practice for all of our clients.
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Financial Advice & Consulting |
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GTF takes a position on your team, making your advisor
and staff members available for input regarding the
technical decisions related to your financial world.
This involves answering questions you know to ask, and
many you don't. It includes compensable areas related
to financial products and services and areas which don't
involve any financial product, such as tax-efficient
portfolio construction/management and estate planning to
potentially prevent probate costs, delay, and hassles.
While it is possible, it isn't generally reasonable to
expect your estate planning attorney to design a plan for
your estate that removes him/her from the payroll when your
estate is transferred. However, even that isn't as critical
as implementing strategies designed to prevent unintended
heirs. Failure to do this could result in your loved
ones never getting a cent from your estate. This is
possible from failing to do an estate plan; but is also
possible from failing to do an estate plan that includes
strategies not included in legal documents provided by
your attorney.
It is what you do after you leave your attorney's office,
with your estate documents under your arm, that can help to
avoid probate and prevent unintended heirs.
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Financial Planning for Individuals |
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Yes, but also for their families. The GTF Plan
can cover you, your children, your parents, your relatives,
your fiance, and your life partner. A successful financial
plan isn't successful if it ends with you. The final part of
your financial plan is your estate plan, including
strategies not incorporated into standard estate plan legal
documents such as wills, trusts, powers-of-attorney, etc.
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Retirement Planning |
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In essence, with the exception of life insurance
strategies, all financial planning is Retirement Planning.
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401K Rollovers |
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Yes, but including determining when a 401(k) Rollover isn't
an appropriate protocol.
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Financial Planning for Businesses |
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Business Financial Planning is a specialized area. GTF
provides in-house business financial planning as it impacts
your personal finances.
However, we do work in relationship with professionals
who provide the specialized services which will assist
business owners.
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Tax Planning & Mitigation |
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Yes. Your tax return specialist can't do "tax planning" in
March for your investments for last year. They are likely to
get you whatever savings is available, "based on how you had
things structured". A key protocol for all GTF clients
is examining that investment structure ahead of time for
next year's
tax filing.
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Education Funding & Planning |
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Yes, when relevant, Education Funding & Planning is a key
part of our practice for all of our clients. We can help
clients avoid the common mistake of securing a small "tax
advantage" while exposing college planning funds to abuse
by a child who turns eighteen (18) but is still a child.
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Risk management |
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Yes, but not exclusively. A standard "Risk Tolerance"
profile doesn't address how certain components of an
investment account are to be used. Risk Tolerance
decisions can prevent growth or impact your taxes. Among
others, Gold Tree Financial incorporates these elements into
each custom designed Financial Plan.
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Portfolio Management |
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GTF uses a proprietary asset allocation model based on
"Money Utility", or "what you want your money to do".
Different categories of your asset allocation model are
asked to do different things; if the model isn't designed
based on recognition of that fact, your model can fail,
having nothing to do with overall stock market
performance. GTF advisors are "fiduciaries" as to assets
under management. The Money Utility Model takes into
account many factors, including, but not limited to,
"risk tolerance".
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Insurance Planning |
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Yes, but including determining when life insurance isn't an
appropriate vehicle.
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Annuities |
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Annuities may or may not be suitable for you as an
investor, and thus, may or may not be an appropriate
vehicle for your use. Annuities are highly specialized
financial vehicles, appropriate in some cases, not in
others. When they are appropriate, determining which
annuity, and how it is to be structured, is as important
as the decision whether to use one at all.
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Estate Planning & Trusts |
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Gold Tree Financial can help families develop a plan to
transfer assets at estate time with the least possible cost,
delay, hassle, and publicity. A trust may or may not be
appropriate in an individual situation. Most importantly, we
provide customized estate plans designed to make sure the
people you want to inherit your assets actually get them,
and get them in the manner that is in their best interest.
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Investment Management & Advice |
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Yes, a key part of our practice for all of our clients.
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Wealth Management |
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Yes, a key part of our practice for all of our clients.
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Robin Phifer
Scheduling / Events
