Our Clients<<

Individuals and Families

Much of the working public retires with some need for financial assistance. The reality is that the heretofore sources of retirement income, Social Security and/or a pension, will only contribute a portion of our true retirement income needs.

Tragically, few people are aware of this. Fewer still plan ahead to enjoy their Golden Age with adequate financial resources. The majority discover this harsh reality when retirement is imminent.

As a result, financial education and retirement planning are becoming more essential. It is vital to understand the impact of time, inflation and taxes on the quality of our lives and the cost of our life styles. It is the only way to construct estates that will support us during our retirement years and can successfully extend throughout and beyond our lifetimes.

Conserving estates for heirs is a very sensitive issue. There are differences among geographic districts when it comes to estate taxation. Planning becomes essential as estates grow.

At CONSULTIVA, we develop investment strategies designed to meet a family’s financial objectives on the basis of after-tax results, investment costs and estate planning issues. Frankly, these are the only predictable factors in investing. We all know that it’s not your income that matters, but what you keep. Estate and income tax events can diminish assets dramatically.

We determine the net amount to which the estate should grow in order to meet retirement objectives, and then design the appropriate strategy to get there, after taxes and investment costs. Likewise, for conserving an estate beyond the client’s lifetime, we aid in assuring that assets are passed on to the beneficiaries as completely as possible.