Comprehensive Wealth Management Services

Overview

        Lisch Investment Management LLC is a fee only registered investment advisor that was founded in 2003 to provide comprehensive wealth management services including, but not limited to:

  • Personal Financial Planning
  • Tax Planning
  • Tax Return Preparation
  • Retirement Planning
  • Insurance
  • Estate and Trust Planning and Wealth Transfer
  • Charitable Planning
  • Asset Protection and Management
  • Employee Stock Option Analysis
  • Wealth Management Software

 

The minimum investment in order to qualify for these services at no additional cost is $1,000,000.

Personal Financial Planning

        We follow a six-step process after talking with the client to determine life objectives and responsibilities as tempered by other factors including health and age of client in order to:

  1. Perform a financial analysis
  2. Build efficient portfolios
  3. Use portfolio strategists
  4. Implement the plan
  5. Rebalance regularly
  6. Track the planís progress

        The portfolios are constructed to use both strategic and tactical asset allocation strategies with an emphasis on preservation of capital. Strategic allocation emphasizes consistency whereas tactical allocation takes advantage of changing market conditions.

       The plan is implemented using an internet based platform ensuring that the client has access to view the account on a daily basis.

Tax Planning

        At periodic meetings, the current tax situation of the client is reviewed to determine the ordering of distributions and the consequences of planned actions and past actions of the client.

Tax Return Preparation

        We will prepare all necessary individual income and gift tax returns. From time to time we may use third party advisors to implement the foregoing. It is possible that the tax return of the client will be prepared by Lisch Investment Management LLC or a third party from a list of approved lawyers or certified public accountants.

Retirement Planning

        Meetings are held with the client to determine the financial consequences of retiring from employment and the ability to retire. A distribution analysis is made as to whether to leave assets at the employer or to rollover to another plan or Individual Retirement Account. Paperwork is handled by Lisch Investment Management LLC in order to rollover monies if that election is made by the client.

        Once you are retired, a continuing, Retirement Analysis will be done to:

  • consider your assets, returns, income and expenses
  • specify savings and rate of return recommendation
  • provide a cash flow analysis detailing sources of income during retirement
  • calculate the probability of meeting your retirement goals.
  • Insurance

        We will periodically discuss with clients whether their insurance coverage is sufficient for their objectives. We may use a mix of in-house specialists or outside consultants to implement the foregoing.

Estate and Trust Planning and Wealth Transfer

        Periodic meetings are held to determine the intentions of the client as to division of assets and who shall be protected and cared for. We will coordinate with outside professionals including clientís lawyer and financial and insurance professionals.

The Estate Planning Analysis will:

  • assess the amount of estate taxes you may have to pay
  • help you identify certain strategies to reduce taxes and pass on the maximum amount to your beneficiaries
  • identify gifting strategies, liquidity needs and the taxation that affects retirement plans at death
  • demonstrate how you and your heirs may benefit form establishing trusts.

        We may use a mix of in-house specialists or outside consultants to implement the foregoing.

Charitable Planning

        We will periodically discuss with clients as to whether a specific charity is to be benefited. We may use a mix of in house specialists or outside consultants to implement including the creation of intervivos and testamentary trusts

Asset Protection and Management

        We will periodically discuss the need for protection of assets and may suggest insurance, variable annuities with principal protection guarantees, trusts, etc. We may use a mix of in house specialists or outside consultants to implement the foregoing.

Employee Stock Option Analysis

        When a significant part of your net worth is in employee stock options, you need to manage then as astutely as the rest of your portfolio. With our help, you can sort through expiration dates, exercise strategies such as hold, sell and sell to cover and the potential tax implications of each.

        The comprehensive wealth management services include all services available to the Modified Wealth Management Service client.

Modified Wealth Management Services

        We recognize that not all clients are currently eligible for our all inclusive comprehensive service. In order to accommodate them, we offer our special Wealth Management Software to all clients of Lisch Investment Management LLC without a minimum investment limitation.

Wealth Management Software

        This software provides an interactive internet based system which provides cash flow based planning. The software allows:

  • Account Aggregation-clients can view all their Lisch Investment Management LLC or Hudson River Investments Group LLC account information in one place. Most account values are able to be updated on a daily basis.
  • A client home page enabling client/advisor collaboration.
  • Portfolio Analysis Center
  • Performance Center for account analysis.