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Investment Management Services

Peak offers customized Investment Management Services to individuals, families and institutions. Investment portfolios are developed to meet the client’s return and risk requirements which are determined in advance with the client. Every investment portfolio is designed and structured to meet both the short and long-term financial objectives of the client

Comprehensive Financial Planning

After gathering the relevant data from the client, a customized financial plan will be developed to address one or more of the following areas:

  • Education funding
  • Retirement planning, including accumulation and/or distribution strategies
  • Preparation of financial statements, including projected tax obligations
  • Development of Investment Strategies
  • Financial issues such as debt structure, liquidity and cash Flow
  • Income Tax Strategies, including alternative financial and legal structures
  • Risk Management/Asset Protection strategies
  • Trust and estate plans related to financial legacy issues

Income Tax Planning and Preparation

Tax strategies can make a huge difference in the financial lives of most clients. Many options and strategies are available to help minimize client tax liabilities. Tax return preparation is also available for individuals, partnerships, LLC’s, corporations and trusts.

Retirement Accumulation and Distribution Planning

Many clients are interested in help with regard to retirement planning. Most are especially concerned about how much they need to accumulate, when they can retire, how to spend down their assets in the most tax-efficient way and finally to distribute assets to their heirs upon death. Peak’s retirement accumulation and distribution planning services address the following:

  • Discuss with client how to invest and accumulate assets for retirement during their working years.
  • Perform retirement calculations both before after retirement to determine if the client assets will be adequate to live on
  • Advising clients as to what assets to spend down
  • Guiding clients through complex regulations regarding the distribution of assets from IRA’s and other retirement plans in the most tax-efficient manner
  • Facilitating the planning and transfer of assets to the client’s heirs

Trust, Estate and Philanthropic Planning

The transfer of assets to heirs or other organizations must be carefully planned in order maximize the giving and minimize taxes. These services include addressing matters such as long-term care, insurance, residential needs, estate planning documents (will, trust, power of attorney, health care power of attorney, living will, etc.)

Asset Protection and Insurance

Many clients need to protect their assets or income from unforeseen calamities (such as frivolous lawsuits, bankruptcy, divorce, disability, death, etc.) Strategies can be employed, using legal structures, insurance and other methods to protect financial assets or cash flows from these events.

Diversification Strategies for High-Equity Concentrations

This service is designed to help clients who have a large percentage of their net worth in a single stock/asset. While the simple solution is to sell the stock and pay the taxes, it may not be optimal. There are a number of alternatives that can be employed to maximize value. Many strategies are long-term in nature and include: gifting to family members, charitable giving strategies, hedging through the use of puts and calls (equity collars), tax loss harvesting or transferring highly appreciated stock into diversified private equity pool (exchange fund).

Stock Option Exercise Planning

This planning is designed to help clients with stock options in publicly traded companies or those in the pre-IPO stage. Stock options come in two varieties: Non-qualified and Qualified. Qualified stock options are more commonly known as Incentive Stock Options or ISOs. The rules differ dramatically for each. We will discuss what rules apply for each type of option and the strategies that can be used to maximize their value.

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