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Wealth Planning Services

We believe that a solid financial plan can bring peace of mind. That is one of the benefits of working with RINET — we can manage every aspect of your financial life with integrity and personal attention. We look at your situation from multiple angles, from your current financial state to potential future risks and what if scenarios.

Our team is truly engaged and committed to providing the guidance, services, and strategies that you need to achieve your financial goals. We take a deeply personal approach — asking questions, carefully listening and seeking clarity — helping us to embrace your goals as our own. We use these insights to develop detailed, customized financial plans that are carefully implemented through the very last detail. You can be confident that we will deliver what we promise, and that you will always receive exceptional service at every step.

We Provide Wealth Planning and Guidance in the Following Areas:

Estate Planning & Wealth Transfer

We work with you to develop or revise your estate plans to help minimize taxes. We can work with you and your attorneys to implement wills, trusts, powers of attorney, and health care proxies. With our intimate knowledge of your assets and goals, we can recommend more sophisticated planning strategies and organize your assets to help maximize family wealth.

Philanthropic Planning

The right charitable giving vehicle is the one that fits your situation, philanthropic mission and goals. We help you evaluate the many options, such as donor-advised funds, private foundations, charitable trusts and charitable gift annuities. After you determine your best choice, we work with you to develop charitable mission statements and portfolios to support your giving goals.

Income Tax Planning

We work with you to address tax efficiency in your investment portfolios and your estate plans. We can also help you plan and manage potential issues related to the Alternative Minimum Tax (AMT).

Liquidity Events Planning

If you’re anticipating a major financial event — such as selling a business or receiving an inheritance — we can help you identify any income tax and estate tax impact before the event happens. For proceeds from the event, we will help you implement any income tax or estate tax strategies and review investment management opportunities.

Insurance Planning

We can work with you and your insurance advisor to review your insurance plans. Our review will help ensure that your coverage levels — for life, property and casualty, disability, and umbrella liability — make sense for your specific situation. For any new coverage you may need, we will assess the appropriate level and structure to meet your needs. We also periodically review your beneficiary designations to make sure they are up to date.

Family Office

Families and finances can be a complicated, time-consuming mix. If you need professional guidance with family governance and family meetings, we’re ready to help. For multi-generational families, we offer financial education and mentoring to prepare the next generations. We can reduce your household financial management burden by monitoring and paying household bills and overseeing payroll for household staff. Other available family services include gathering and organizing income tax data, establishing personal budgets, implementing financial recordkeeping systems and reconciling checkbooks.

Retirement Planning

If you are still years away from retirement, you have the benefit of a longer time horizon for your investments. We can help you determine the amount you will need for retirement and develop a plan to help you achieve it. We will design a portfolio that aligns with your current goals and risk tolerance, making adjustments as needed as you reach life’s milestones. If you are nearing retirement or are newly retired, we will work with you to develop a plan for managing your retirement income and assets, as well as helping you to create a sensible spending plan that honors your priorities and supports your lifestyle.

Cash Flow Planning & Net Worth Analysis

A comprehensive look at your cash flow can identify any potential issues and current planning opportunities. Along with analyzing and monitoring your cash flow, we will develop a net worth statement to document your assets and liabilities to give you an accurate picture of your overall net worth.

Executive Compensation & Benefits Planning

Executive compensation can include everything from salaries and bonuses to stock options and incentive/retention programs. We can help you manage the taxation issues around your compensation, as well as review your workplace benefits to make sure that you’re making the most of what you have.

Education Planning

If your goals include paying for the education of your children, grandchildren, or other family members, we can help you evaluate different education savings vehicles, from Section 529 Plans to UGMA/UTMA accounts; and from Coverdell Education Savings Accounts to prepaid tuition plans. We can then design portfolios to help you reach your elementary school, secondary school, or college savings goals.