Areas of Focus

TIME works closely with clients' existing professional advisors, as well as with estate planning and business attorneys to implement designs developed in these planning processes:

Wealthy clients can often face issues when considering the distribution of their assets during their lifetimes and at their deaths. They also tend to have a consistent concern with income taxes and asset protection. TIME regional specialists and advanced markets attorneys understand these issues and have the depth of knowledge and experience necessary, along with applicable marketing materials, to provide creative solutions for high-net-worth and ultra high-net-worth individuals.

As the concerns of these clients span a variety of disciplines, it requires a team of professionals to provide integrated solutions including:

- Income tax efficiency
- Asset protection
- Organized and controlled wealth distribution
- Multi-generational planning
- Gift and transfer tax efficiency
- Charitable interests

Solutions to these concerns may include the implementation of a variety of legal devices, qualified plan designs, asset re-positioning, and life insurance. The process is only successful for the client if it is implemented. A major component of the services provided by TIME is coordinating the implementation of proposed solutions, so financial advisors are able to provide ultra high-net-worth clients with a holistic experience.

TIME regional specialists address this potentially complex process by assisting financial advisors to form a team of professionals tailored to the clients' situation. The financial advisor continues as the clients' primary advisor during this process, but with the help of the TIME regional specialist, coordinates all of the professionals needed to provide comprehensive solutions.

TIME's expertise lies in cutting edge devices for transferring estates - especially those that include business or real estate holdings, appreciated equities, significant holdings in stock options and in pre-IPO holdings. TIME provides a clear understanding of the existing estate tax code and the recent changes.

TIME also provides advice and products to meet deferred compensation needs for professionals, executives and business owners. We have extensive knowledge of business continuation, non-qualified retirement devices and business valuation techniques, plus educational and marketing materials.

TIME has broad experience in the use of charitable devices to sell appreciated equities, real estate, or business interests with both tax advantages and increased current income. TIME also works with clients in the use of charitable devices to pass on family values, create separate inheritances for grandchildren and other innovative methods to meet client goals in combination with their overall plan.

TIME will review clients' existing insurance portfolio and work with insurance carriers to assure ownership and beneficiary designations are correct and policies are properly funded. If additional or new insurance is appropriate after an objective planning process, TIME will search the market to find the best insurance products to fit the clients' needs, and coordinate the qualification, negotiation, and implementation of those products.

The team of professionals TIME bring to this process decades of experience in analyzing and implementing planning strategies, as well as working with clients throughout their lifetimes to maintain and adjust plans as situations change, along with access to sales and marketing resources.