Focusing on Integrated Wealth Management
Our Integrated Wealth Management Approach
We specialize in integrated wealth management, and offer a full suite of sophisticated financial services that include: Investments, Insurance, Retirement Planning, Income Tax Planning, Estate Planning, Educational Planning, Investment & Tax Reporting, and Company Retirement Plans.
We recognize the variety of personal issues involved in wealth management. As a result, we coordinate families’ and business owners’ overall wealth management process by providing many of the services ourselves, and partnering with key professionals in other areas where in-depth knowledge is required.
Investments
Insurance
Retirement Planning
Income Tax Planning
Estate Planning
Educational Planning
Investment & Tax Reporting
Company Retirement Plans
Estate Planning
Estate Planning is the process of accumulating and disposing an estate to maximize the goals of the estate owner. The various goals of estate planning include making sure the greatest amount of the estate passes to the estate owner’s intended beneficiaries, often including paying the least amount of taxes and avoiding or minimizing probate court involvement. Additional goals typically include providing for and designating guardians for minors and planning for incapacity.
We have extensive knowledge of the estate tax laws and can assist you with all of your estate planning needs. When necessary, we would be happy to recommend several estate attorneys to help implement your estate plan. This would include wills, trusts, powers of appointment, and gifting strategies.
Educational Planning
Long before retirement, the first financial challenge of many investors is education funding.
Spielberger & Brooks can offer a solid understanding of the investment vehicles that can provide the proper funds at the right time.
529 plans are the most popular options for college savings available today. Contributions to 529 plans are not sharply limited in terms of annual contributions. These programs offer great opportunities to save for the costs of higher education and may offer some tax relief to residents of specific states.
In addition to 529 plans, Congress created the Education IRA in 1997 and reintroduced it in 2001, with enhancements as the Coverdell Education Savings Account. Featuring tax-deferred growth and tax-free withdrawals, Coverdell’s provide friends and family members with an attractive-but limited-opportunity to save for a child’s educational goals.
The Spielberger & Brooks will help you choose which college funding vehicle is appropriate for you and your children.
Investment & Tax Reporting
Tracking your portfolio for investment returns as well as realized gains and losses can be timely and misleading.
Spielberger & Brooks and Charles Schwab work together with some of the finest technology to bring you the most in-depth and colorful reports. Charles Schwab provides monthly investment position statements and confirmations of all purchases and sales in writing or via email to the investor.
In addition, Spielberger & Brooks provides supplemental, graphically-based quarterly performance and asset allocation reports. We work closely with your accountant to ensure simplicity at the time tax information is needed.
Charles Schwab provides 1099’s and tax related reports that contain realized gains and losses to all clients.
Company Retirement Plans
Plan Selection: Among the many challenges borne by employers, introducing or evaluating a retirement plan provider can be a difficult task, especially without a sound due diligence process and knowledgeable support.
Consistent with The Spielberger Group’s full-service approach, we assist corporations and small business owners in meeting their retirement plan objectives. Our ongoing analysis of the vast retirement plan marketplace can help streamline the selection process.
401K