Financial Planning Services
Financial Planning
Capital Growth Planning, Inc., its licensed professionals and Subsidiaries offer a full line of financial planning products, services and strategies; incorporating special software that will provide each client with a comprehensive plan, so as to assist in meeting the financial, insurance, retirement, and estate planning goals of its clients. Our financial planning services are normally provided without a fee (depending on the client’s needs). These services are available to all clients and prospective clients. Please contact CGP for representatives who specialize in these areas of expertise.
Investment Planning
Through its professionally licensed representatives and Subsidiaries, more specifically Capital Growth Resources & Capital Growth Planning Advisors, Inc., CGP may offer a variety of investment opportunities. The representatives who specialize in this area are extremely diligent in the review, design, and selection of investments that are approved for recommendation to clients and prospective clients. Its Subsidiaries also provide a full line of tax-sensitive products to assist clients in reducing, or eliminating, a substantial amount of income, or capital gain taxes. The Company continually monitors the investment marketplace, so as to locate new and innovative investment products that may assist clients and prospective clients in meeting their investment planning goals.
Retirement Planning
Whether you are saving for retirement or in retirement, you should continue to pay close attention to your retirement assets and how they are structured. The retirement planning industry as a whole has changed dramatically in the last 10 years. There have been numerous tax law changes that have reduced and, in some cases, eliminated ways in which individuals can save for retirement on a tax deferred basis. During this same period of time, the insurance industry has created a new line of tax sensitive retirement saving programs. If you are not self-employed, or do not own a business, you cannot establish a tax qualified pension plan. Thus, with the exception of an IRA, or a 401(k), etc., saving monies for retirement on a tax deductible basis may not be an option. In light of this, CGP through its professionally licensed representative and Companies may be able to assist with recommending appropriate retirement programs for those in retirement or those of you still preparing for retirement.
Business Planning
Through its licensed professionals, Subsidiaries, and its legal partners, CGP understands the unique planning needs of business clients and may assist in a myriad of planning options that are available to businesses. Business planning subject matters may include one or more of the following: Methods of operation (sole proprietor versus incorporation); liability protection planning; key personnel planning; office over-head and disability protection planning; retirement, 401(k), and pension planning; buy-sell planning, including cross-purchase and stock redemption agreement; business continuation planning; business valuation; capital needs, and a myriad of other business planning matters. For additional information regarding these services, business subjects, or otherwise you may contact the company directly.
Mortgage Banking & Real Estate Services
Through its full service real estate brokerage firm subsidiary, Capital Growth Realty, Inc., CGP has licensed agents to represent and service clients in all types of real estate transactions, including a full line of traditional mortgage products and Trust Deed investment products. This firm also allows its licensed agents to counsel and provide clients with reverse mortgage strategies and 1031 “tax neutral” real estate exchange solutions.
Life Insurance Planning
Life insurance risk management could be the most important financial planning tool available to individuals looking to plan for income replacement, pre-mature death, wealth transfer, or other applicable life planning events. Whether a client currently has insurance, is looking to acquire insurance to cover a specific need, or is asking for their insurance portfolio to be reviewed (as is often the case), CGP has the licensed professionals and other resources (and partners) to assist in resolving these planning needs. Insurance products today can wear many faces. Life Insurance products today include Term, interest sensitive, whole life, indexed “linked,” mutual fund driven (variable life), premium financed products, and there are single life and joint life estate planning and wealth transfer products. Annuity products include fixed, multi-purpose, index “linked” & variable annuities. Additional products include Long Term Care, and/or Disability Insurance. Through its licensed insurance agency, Capital Growth Insurance Services, Inc., its licensed agents may assist in understanding your needs and match the best product to meet those needs. CGIS only work with insurance companies that meet the highest possible standards, as measured by Weiss Research, Stand & Poors, Moody’s, and Duff & Phelps.
Estate & Wealth Transfer Planning
To most of us, the words Estate Planning or Wealth Transfer conjure up thoughts of the super wealthy. This may have been the case 15 to 20 years ago. However, since that time, Congress has changed many of the laws regarding the transfer of wealth to heirs and will, more than likely, change them again soon. CGP’s licensed professionals, Subsidiaries, and/or its legal partners are widely versed in basic and advanced estate planning. There is a limited number of estate planning strategies to reduce estate taxes, which may include simply and successfully transferring assets to your heirs. The three most commonly utilized strategies include: 1) the “Revocable” Living Trust; 2) the “Irrevocable” Life Insurance Trust (“ILIT”); and, 3) your IRS Gifting Privileges. Other strategies may include a Charitable Remainder Trust and/or a Private Family Foundation. CGP, through its resources can assist its clients, in understanding all the above planning tools or refer those clients to someone who can.
Trust Planning
Trust Planning, no matter how simple or sophisticated, requires specialized expertise and should always be undertaken with the services of a licensed attorney who specializes in this discipline. CGP and its licensed professionals are versed in the Trust area, but will nearly always refer this business to its legal partners. Most families with assets should have at least a Revocable Trust, and those families with assets over $2 million or who have special needs children should consider drafting an Irrevocable Life Insurance Trust, of if insurance will not be part of the planning, just an Irrevocable Trust would suffice.
Charitable Giving
Charitable giving, whether simple or sophisticated, also requires specialized expertise and should always be undertaken with the services of a licensed attorney who specializes in this discipline. Charitable giving is also usually accomplished through Trust planning. The most common types of Trusts used for Chartable giving are an Irrevocable Life Insurance Trust or a Charitable Remainder Trust. CGP and its licensed professionals are versed in these Trusts, but will nearly always refer this business to its legal partners.
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