Wealth
Management
At Investco Financial, our Wealth Management services are tailored to meet the unique financial needs of high-net-worth individuals, business owners, executives, and family enterprises. We offer a comprehensive approach that goes beyond traditional wealth management, providing personalized strategies that align with your financial goals.
Trust & Estate Services
Trust and Estate services involve creating strategies to protect and distribute your assets according to your wishes. We help you establish trusts, draft wills, minimize estate taxes, and ensure that your legacy is preserved for future generations.
Are you prepared for what may come next? By having an estate plan, your wealth can help secure your family’s financial future and support the charities, organizations and causes that matter to you.
At Investco Financial, we can help you create an estate plan to map out how your estate and assets will be distributed upon your death. Your estate plan reflects your unique needs, wants and wishes. It can help:
Keep a business, property or cherished asset in the family
Protect assets and help others make decisions on your behalf
Provide ongoing management of your affairs
Minimize the tax burden for those inheriting your wealth
Fulfill your philanthropic goals and create your personal legacy
Safeguard your estate
Without proper planning, the value of your assets could be reduced by a hefty tax bill. While the tax bill may be relatively low today, it may increase over time as your assets do. Your estate may not have enough liquid assets or cash on hand to pay this bill and may have to decide which assets to sell to fulfill the obligation.
Prepare for future estate costs
Life insurance may help leave your estate intact. It is the most cost-effective method of funding the tax liability associated with transferring your assets when you die. A policy benefit offers immediate and tax-free liquidity to help meet other estate obligations, which may include probate and settlement costs.
Is a trust right for you?
Many people use a trust to control their assets now and provide for professional management if they become incapacitated. Establishing and managing a trust can be a complex process, so we’ll guide you through your choices. We’ll show you different scenarios and trade-offs—then help you connect the dots to make more informed choices.
Trust features and benefits
Flexibility – Trusts can be customized to your specific circumstances.
Control and continuity – Trusts are binding legal documents and your instructions must be followed—while you are living, if you become incapacitated and after you die.
Privacy – Trusts can help confirm the smooth transition of your assets and the privacy of your affairs.
Tax efficiency – Trusts may help you and your beneficiaries avoid or minimize gift taxes, estate taxes or generation-skipping transfer taxes.
Wealth protection solutions
Have confidence knowing you, your family and your legacy are protected. Including life insurance in your estate plan can help you grow your wealth and pass it on with less risk.
Wealth preservation
Trusts and thoughtful planning can help you address concerns about protecting assets in the event you become incapacitated, providing for retirement or protecting your family’s inheritance.
Wealth transfer
Transfer wealth from one generation to the next with a trust. You may also use a trust to distribute your assets to intended heirs and causes you want to support. Let us help you create your desired legacy.
Philanthripoc Advisory
Your financial advisor can work with you to create a living legacy in your estate plan to provide for your loved ones and favorite organizations for generations to come.
Define your giving plan
You’ve worked hard and invested carefully to achieve financial success. Sharing your good fortune with worthy causes that are meaningful to you can be an integral part of your wealth management. Together, with your family, we can help define and plan your legacy.
We’ll guide you through philanthropic tools and strategies—some offering tax advantages—to help you plan for and schedule your charitable giving. These include:
Gifting appreciated securities
Contributing to donor advised funds
Establishing charitable trusts
Creating private family foundations
Purchasing life insurance
Donating remainder interest in a residence or vacation home
While supporting your philanthropic passions, your financial advisor can work with your legal professionals to update your estate planning documents. We’ll also work with your tax professionals to determine the best tax advantages for your charitable giving plan.
Create your family legacy
For your family, philanthropic and charitable giving may involve everyone from grandparents to grandchildren. Your financial advisor can work with the entire family to incorporate gifting into an overall wealth plan. This gives you a chance to connect with your children and grandchildren to identify a common mission for the family wealth.
Sharing your wealth is about more than means—it’s about making an impact. We can help you set up a philanthropic plan to define your legacy by sharing your wealth with the people and causes you care about—today and for years to come.