The Executive AdVantage process delivers effective retirement planning on your schedule, to maximize your executive benefits.

It’s focused and time-efficient. At each meeting, the advisor’s responsibilities and the client’s responsibilities are noted and defined. You receive an executive summary of each meeting, and a task list of follow-ups with clearly stated deadlines.

It’s specific, not generic. We keep copies of your company’s benefit handbooks in our office, so we may reference them during a meeting.

It’s designed to maximize your options and benefits. We don’t simply tell you to liquidate your stock options and diversify your stock options or restricted stock. Rather than make such rubber-stamp recommendations, we'll quantify the current and potential value of the options you hold, and our stock expert will provide a target price. When we weigh that information with your personal tax situation, we come up with a plan to make the most of your benefits.

A View to Your Future Planning for YOUR future, Terry and Michael will understand your point of view, and add value by advising you candidly and objectively.

For an optimal retirement, you must optimize your stock options, deferred comp and corporate benefits.

After all, the price of success shouldn’t cost you your lifelong dreams.

You want an edge over the "competition" - income and estate taxes, inflation, college costs, healthcare costs.

The Executive AdVantage process delivers you a concentrated, tax-efficient method to maximize the benefits you’ve worked a lifetime to receive, and a smartly researched, professionally executed portfolio strategy so you can achieve the retirement you want.

The AdVantage is Yours
As an executive or manager, you’ve spent years negotiating advantages, and accumulating rewards. You don’t accept less than the best effort, and you want the best effort from your financial advisors.

That’s why you deserve an AdVantage. Instead of planning your tomorrows with a broker, a bank, or on your own, you deserve a team of specialists - and a reliable process to help you maximize executive benefits and stock options.

You deserve nothing less than the best - and the best retirement planning resource for executives is Vantage Financial Partners. Contact us today.

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Your Planning AdVantage
As a corporate executive or manager, you have outstanding financial vehicles at your potential - vehicles you can use to create a lifelong flow of income, retirement security, and a sizable inheritance for your heirs.

To maximize that financial potential, you need to hire a winning team of financial advisors - not just expert wealth managers, but advisors who can be candid and frank, farsighted and objective, and consistent and proactive.

Where do you find them?

Vantage Financial Partners Limited. Talk to Michael Rohrwasser and Terry Kaul. Vantage works for you - glimpsing your vision of retirement, and planning from your point of view.

Executive Benefits:
Questions We Can Help You Answer

Stock Options - Should you exercise them a few months before they expire, or exercise early to avoid climbing into a higher tax bracket? If your options are underwater, are you better off with supplemental options, or buying stock in the open market? Re-pricing or no re-pricing, how much are your options really worth today?

Executive Benefits - What do you need to do to maximize them? What’s the cost of shaking off your company’s "golden handcuffs" for another executive position, and what’s the impact on your vision of retirement? 

Portfolio Rebalancing
Even today, many portfolios are weighted too heavily in a single sector - or, in the case of many executives and loyal employees, weighted heavily in one stock. In addition, the investments you chose 10 or 15 years ago may not be best suited to your current financial goals.

That’s why it is smart to review and rebalance your portfolio on a regular basis. Vantage’s advisors can help you stay on top of new investment opportunities, and discern the right percentages of securities, fixed-income investments and cash in your portfolio given your priorities and time horizon.

Supplemental Pension Plans
What tax and savings advantages do you receive by deferring income? What risks do you run? What percentage of your salary should you defer to build the right-sized retirement nest egg? How does the amount you contribute affect your income tax?

Many executives wish to defer a greater percentage of their income for retirement. If you face high taxable income, dwindled retirement plan savings, and a contribution structure that seems weighted in the wrong direction, consider participating in your companies supplemental pension plan.

Tax-advantaged Family Trusts
A charitable remainder trust (CRT) allows the proceeds from the sale of any appreciated asset (a business, real estate, a stock, etc.) to accumulate tax-exempt, with an eventual destination to the non-profit organization of one’s choice. The CRT gives you regular income distributions, and by funding a life insurance policy from a portion of the trust assets, your heirs receive an inheritance of equivalent value.

An A/B trust takes advantage of the applicable estate tax exemption at the first death of a spouse. It can provide a lifetime of income to the surviving spouse, with the remaining value of the trust passing to heirs free of estate taxes.

An incentive trust can distribute funds to your children in installments, as well as lump-sum distributions tied to a child’s income level, educational achievement, or other criteria.

A Q-TIP trust allows a husband or wife to financially endow children of a previous marriage or union. After your death, it provides your spouse with lifelong income and guarantees that after your spouse dies, the balance of the trust assets will go to the children of your first marriage.

A generation-skipping trust allows grandparents to fund grandchildren’s education or care for special needs grandchildren, and to limit tax liability for children who have large, taxable estates.

The typical revocable living trust does help you avoid probate, and can provide asset management direction if you become disabled or incapacitated. Many who own real property in multiple states opt for this trust.

Tax Reduction
Tax planning is a year-round function of smart financial planning. Vantage can introduce you to tax professionals or work in harmony with your trusted CPA to improve and integrate your tax strategy with your investment strategy. We use this collaborative approach so that your entire financial picture is truly synergistic and reflects the velocity of money - using one dollar to accomplish more than one objective.

College Planning
For many parents, college planning is really a retirement planning issue. 529 plans and Coverdell Education Savings Accounts (formerly Education IRAs) allow you to start a savings account that accumulates federal tax-free until distributed, and the assets can often be applied to various education costs. The Illinois Prepaid Tuition Program (collegeillinois.com) and EdVest Wisconsin (edvest.state.wi.us) are other advantageous programs.

We can do the legwork so you can retire with more confidence, and a better understanding of how your money is working for you.

E-mail us to request more information