Young ( Paper Rich) Employee
Laura H. Ward is a 35-year-old bio-chemist. She is engaged, and rents a two-bedroom apartment in San Francisco, CA. Laura comes from a small family, and appreciates the good fortune she has experienced in her career. She has been granted many stock options that have begun to vest. These options are worth several million dollars, but the company still has enormous growth potential. Laura would like to increase her lifestyle after she gets married. She would like to buy a house and start a family. Her income is modest for the area she lives in, and does not expect a dramatic increase in salary. Laura is also aware of an increased divorce rate, and wishes to protect her wealth.
[ How may Laura get married, start a family, increase, her life style, protect her wealth, and not sell the stock?]

Pre- Retiree Entrepeneur
Gary R. Kissler is a successful, experienced businessman who is planning to retire. At 60 years old, he enjoys spending time with his new wife. Gary is negotiating to sell his jewelry company for $28.4 million to a publically traded company. They wish to pay him in a mix of stock, cash, and salary. Gary was previously married, and has three children and four grandchildren. His ex-wife is not remarried. His current wife has two children entering college. Gary has many concerns, which include retirement income, favorable income and capital gains tax treatment on the sale of his company, estate issues involving his heirs, questions on health care and benefits, and basically how to create a legacy without dispute after his death.
[ How may Gary create lifetime income, maintain benefits, get favorable income and capital gains tax treatment, create a personalized estate plan to maximize lifetime gifts, minimize estate tax, and still maintain total control of the assets?]

Mid-Life Married
Frank and Joan Rossi have been married for 18 years. They are both 40 years old and have a 14 year old son and a 16 year old daughter. Frank is a physician and Joan is tenured university professor. Their main goals are to educate their children and retire by age 55 allowing them to spend $250,000 ( inflation adjusted) per year in retirement. Frank has a Profit- Sharing plan in his practice, and Joan has a TIAA-CREFF account. Both have been performing very well. Joan is concerned about funding education, and retiring before having penalty free access to retirement funds. Frank is concerned about asset protection in case of a law suit, and estate planning.
[ Can Frank and Joan do everything they want to do?]

Find out more by contacting us:

Ramesh J. Gulati CFP
350 South Main Street
Providence, RI 02903
Phone: 401.474.3010