Wealth Management
PORTFOLIO MANAGEMENT
At Todo Lujo, portfolio management is a process. Through long-term relationships and a continuing dialogue with our clients, we seek to deliver wealth-management strategies that are responsive to evolving market conditions and changes in our clients’ lives.
Our financial advisors meet directly with clients to help them articulate their goals and create an asset-allocation strategy designed to achieve those objectives. Each portfolio is built on detailed knowledge of the client’s financial situation:
Retirement planning
Education funding
Wealth-transfer objectives
Risk tolerance
Cash-flow needs
Time frame
Philanthropic goals
Tax profile
FINANCIAL PLANNING
Our financial advisors work with the firm’s planning experts to develop customized strategies that incorporate the numerous aspects of managing and enjoying your wealth.
Tax efficiency: Active, customized portfolio management can provide valuable opportunities to enhance an investor’s after-tax returns. By identifying the appropriate asset classes for the different types of accounts and carefully monitoring the holding period and cost basis of securities, we work to design portfolios that minimize capital-gain recognition and maximize after-tax returns. Retirement planning: Effective retirement planning begins with each client defining his or her vision for retirement. We design and implement asset allocation and savings strategies tailored to those objectives. As the client begins retirement, we use quantitative tools to determine the optimal drawdown rate and asset allocation to optimize the portfolio’s longevity and tax efficiency. Estate and multigenerational planning: We work closely with our clients’ tax and legal advisors to create comprehensive, dynamic plans for accomplishing the family’s wealth-transfer goals. After planning for the senior generation’s lifetime spending needs, the focus then shifts to transferring the excess wealth to younger generations in a tax-efficient manner that is consistent with the family’s priorities. Philanthropic strategies: We implement philanthropic strategies that are integrated into the client’s overall portfolio and wealth-management plan. Working closely with the client’s tax and legal advisors, we manage tax-efficient charitable vehicles such as private foundations, charitable trusts, and donor-advised funds.
CORPORATE SERVICES
Companies turn to us for objective advice and effective solutions for managing corporate cash flow, equity-based employee compensation, and other strategic initiatives. Corporate retirement plans: Guidance for sponsors and trustees of corporate retirement plans and educational resources for plan participants Corporate cash management: Short-duration fixed-income strategies, customized short- and intermediate-term portfolio management Corporate share repurchase: Coordination and execution of corporate buyback programs Employee stock-option exercise: Establishment, coordination, and execution of trading programs for company employees Investment banking: Full suite of capital-raising and merger-and-acquisition advisory services, including equity and debt underwriting, initial public offerings, private placements, fairness opinions, private investments in public equity (PIPEs), credit tenant lease securities, and restructuring
Interested in our Wealth Management Service? Contacto lets talk.