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WealthCrafters offers
many services tailored to our individual clients needs.
Below is a brief sampling of those services offered thru SII
Investments, Inc. or other unrelated affiliates.
Just click on a topic for a brief description of each topic.
Fee based planning
and/or commission based planning
Stocks
Bonds
Mutual Funds
Annuities
Insurance
Asset Allocation
529 College Savings
Plans
Professional
Money Managers
Retirement Plans
Ira rollovers
Financial Planning
Estate Planning
Fee Based Planning
As an individual
investor you can choose to manage your assets using one of three
methods.
Commission based
accounts are a “pay-as-you-go” type of arrangement.
Pay standard Wall Street commissions only when you have activity
involving the buying or selling of securities.
Fee based planning
involves an asset based fee. Pay a set percentage based on the size of
the account and then enjoy no commission trading and planning.
When commissions are taken out of the equation investors tend to
“do what’s right” for their account since there is no cost or
broker motivation concerns tied to the equation.TOP
Stocks
WealthCrafters has
access and research to all stocks listed on the major exchanges.
Our specialty lies in those stocks listed on the NYSE, NASDAQ, or
Amex exchanges. TOP
Bonds
WealthCrafters employs
a variety of techniques to search for and acquire bonds from around the
world. In addition to our
independent sources of bond information, SII Investment, Inc. also has a
relationship with Pershing LLC, Pershing LLC is a member of the BNY
Securities Group and a subsidiary of the Bank of New York. TOP
Mutual Funds
Through SII Investment, Inc., WealthCrafters has access to over 1500 different mutual
funds representing over 130 mutual fund families. TOP
Annuities
WealthCrafters through
SII Investment, Inc. has licensing agreements with over 200 insurance
companies that offer annuities and insurance.
These companies are screened and monitored to ensure that they
are strong financially and offer superior product lines. TOP
Insurance
WealthCrafters contracts with the highest rated insurance companies to
provide
lines of insurance to safeguard our clients assets.
We specialize in term life, variable life, and whole life. In
addition to life policies we also fill gaps in other types of insurance
such as long term care policies, estate planning policies, or buy/sell
business policies. TOP
Asset Allocation
How you structure your account directly affects returns, risk, and volatility. It has been said that
the majority of an investors return is a direct result of the investor's asset allocation.
A well-diversified portfolio allocated among key asset classes can not only provide a more consistent result…but it may even soften the wild gyrations of the markets.
At WealthCrafters we try to marry the concepts of asset allocation and common sense. We use sophisticated models to help set up an allocation that's fits an investors goals. We attempt to use all of the style boxes and all of the asset classes that mix with the investors plan. We then fine-tune the allocation using common sense and logic. In other words we take traditional asset allocation models and overweight areas that may more apply to the current economic environment.
Let WealthCrafters help set up and monitor your asset allocation. Give us a call for a free asset allocation consultation.
TOP
529 College Savings
Plans
529 College Savings
Plans are tax advantaged savings plans that offer a number of benefits
including high contribution limits, professional money management, and
tax-free withdrawals for qualified educational expenses to virtually any
college or university in the country.
These are very popular because of their flexibility and because
the donor can retain control of the assets.
Investors should consider the investment
objectives, risks, charges, and expenses of the mutual fund carefully
before investing. This, as well as other important information, is
contained in the official statement. Please read it carefully before
investing or sending money.
An investor’s home state may only offer
favorable tax treatment for investing in a plan offered by such state.
Consult your tax advisor regarding state and federal tax consequences of
the investment.
Participation in a 529 Plan doesn’t
guarantee that the contributions and investment return will be
sufficient to cover future higher education expenses. Investments
involve risk and you may incur a profit or a loss.
TOP
Professional
Money
Managers
As your wealth
accumulates and your needs become more complex, you may require the
customization and professional management that can only be provided by
professionally managed portfolios.
WealthCrafters is proud to provide access to a broad array of
institutional-quality investment managers committed to providing
individually tailored, long-term investment strategies.
We work with each of our clients to develop a suitable investment
strategy, select the best portfolio managers to execute that strategy,
and evaluate those managers performance over time.
We take the complexity out of investing by offering objective
oversight of the entire process, as well as complete the due diligence,
compliance and research for each of these managers. TOP
Retirement Plans
For individuals,
WealthCrafters uses all of the traditional retirement plans available.
IRA’s and Roth IRA’s are the most recognizable plans,
but SEP IRA’s and Defined Benefit plans continue to grow in
popularity. These plans
help individuals put aside more pre-tax money than the traditional IRA. TOP
Rollover Ira’s
Job hopping, layoffs,
restructurings, mergers, retirements and motherhood.
All are examples of reasons clients may have IRA rollover from
previous employers.
The advantages of IRA
rollovers are many but the primary benefit is the flexibility of
investment choices an IRA can provide.
An IRA rollover account
allows an individual to invest in just about any asset they
choose…unlike a 401k which may only allow 10-15 choices. Individual
stocks, bonds , mutual funds, and annuities can all be used inside an
IRA to help better the performance of an account. TOP
Financial
Planning
Without financial goals and specific plans for meeting them, we drift
along and leave our future to chance.
The principals at WealthCrafters have over 22 years of experience
in helping individuals, families, and businesses map out their financial
futures. Using our own
experience and a wide variety of outside sources, we can give you the
best possible advice on topics such as investing, asset allocation,
retirement planning, college funding, debt management, and insurance.
TOP
Estate Planning
You have worked your whole life to build a tidy nest egg for you and
your family, it would be a shame if the government took about half of it
in taxes when you die. That’s
what could happen if you don’t have an up-to-date estate plan in
place. Certain documents
are key estate planning tools: a will, a living trust, and a durable
power of attorney. Regardless
of your age or level of wealth, if you do not have these documents or
have not updated them recently, you should talk to an attorney that
specializes in estate planning. Give
us a call. We can refer you to an attorney in your area that may be able
to help. TOP
Securities and advisory services offered
through SII Investments, Inc, member NASD, SIPC
and a Registered Investment Advisor. Wealthcrafters, Inc and SII Investments,
Inc. are separate
and unrelated companies. SII Does not provide tax or legal advice.
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