In light of today's global economy, achieving financial success can be a complex and confusing process, even for the most experienced investors. Continuum Wealth Advisors, LLC provides the necessary tools, personalized services, and expertise to help you develop a well-coordinated investment management plan that goes beyond a one dimensional strategy.
Our guidance is objective, designing a plan to help protect and increase your wealth, balancing both your short and long-term needs. Your portfolio is designed to be flexible. As your portfolio evolves, we are continually monitoring its effectiveness and appropriateness.
At Continuum, we have expertise in the three areas of insurance that can protect and preserve your wealth: life insurance, disability insurance, and long term care insurance. We have particular expertise in the use of life insurance for tax and business planning.
Life insurance is a sophisticated and powerful financial instrument that should serve as the cornerstone of any effective estate and retirement plan. It’s that simple. Life insurance enjoys special tax benefits under the Internal Revenue Code that makes it an effective tool not only for protecting your family, but also for achieving lifetime goals. It can serve as its own asset class and as a compelling means of creating a secure retirement. Layer in certain additional benefits—known as riders—and life insurance can provide a secure retirement plan for you and your family whether you live, die, or become disabled—and that’s from the first day that you own the policy contract. No other asset can do that.
At Continuum, we’re experts in the use of life insurance as part of an effective estate and retirement plan. We advise you in making the right choices about the best type of life insurance, along with the appropriate level of coverage, for you specific circumstances. We also work closely with you during the underwriting process, in order to obtain the best rating, which in turn provides the lowest possible premium. We’re also completely independent, so we can negotiate among all of the top carriers to get the most competitive rate.
Estate planning is highly personal. While we use the tax advantages of life insurance to protect, transfer and leverage funds from our clients’ taxable estates to create tax-free assets, it is our ability to fully understand each client’s circumstances and personal wishes that is our most valuable asset. As a result, we are able to design alternatives to meet their personal objectives, preserve more of the family’s estate, and significantly reduce the tax burden. If needed, we will also work in accordance with a client’s existing legal and/or accounting professionals to confirm uniformity across the entire financial landscape.
Simply, we work to implement a prudent estate plan.
As part of the service we provide to clients, Continuum Wealth Advisors, LLC continuously monitors current legal, insurance and economic conditions to make sure that each client’s plan is both appropriate and compliant with recent developments. We also periodically advise our clients of any changes that may impact their plans. Keeping a vigilant watch over these factors is as important to any estate plan as its initial implementation.
Continuum Wealth Advisors, LLC serves as a trusted advisor to employers, providing advice and consulting services for all types of retirement plans. We offer a comprehensive approach to managing your retirement plan and assist you, as the employer, to satisfy your fiduciary responsibilities as a plan sponsor. These services include:
- Establish an investment committee
- Write an Investment Policy Statement
- Lead routine investment review meetings
- Detailed fund analysis and recommendations
- Review of fund managers
- Recordkeeper, TPA, and custodian cost comparisons
- Fee and plan feature benchmarking versus other employers
- Educate employer on “who is paying what?”
- Define employer’s requirements and desired plan features
- Advice on various platforms (e.g. bundled vs. unbundled)
- Group education sessions
- Individual one-on-one meetings
- Access throughout the year to financial professionals