For Business Owners & Executives
Your business is running a company and that is a full time job. Because you are responsible for both the day-to-day operations of the company and its employees, your own personal finances-and even those of the business-often take a backseat. That can have unintended consequences across the board. Your personal finances and those of the business often go hand-in-hand. We offer a variety of services that enable us to develop a customized financial strategy that helps synchronize your goals and balance sheets for both you and your business.
Financial Planning
Having a plan allows you to measure success against your goals rather than an arbitrary number.
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Cash Flow
Understanding that your cash flow today will help ensure you have the income you will need for the future.
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Insurance
Take care of what can go wrong so that you can afford the luxury of investing for what can go right.
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Investing
From handling your group's retirement plan, to managing your individual stock options, we aim to help you reach your goals by maximizing your after-tax returns, minimizing your expenses and eliminating as much risk as possible.
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Business Succession and Wealth Transfer
Your wealth doesn’t affect just you. It also impacts your family, your loved ones and those you leave behind.
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Group Benefits
Finding the right employees is tough, but keeping them in today’s competitive environment is even tougher.
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Financial Planning
Positioning your wealth so that you are confident in your financial future does not happen by accident. It takes a well thought out plan and someone to hold you to it. When creating your plan we:
- Define success according to you
- Help you articulate and understand your goals and perspective towards money
- Review and organize your financial life
- Align your financial decisions with your values and attitudes
- Development and implement your plan
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Cash Flow
One of the first steps in our process is to obtain a complete picture of your cash flow. Understanding and coordinating your income, protection, savings, taxes and debt structure is vital to most effectively positioning and growing your wealth. Some key areas we focus on are:
- Cash flow planning
- Tax planning and tax return review
- College funding
- Retirement planning
- Debt and liability analysis
- Debt repayment and restructuring
- Social security planning
- Pension maximization strategies
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Insurance
Risk management and asset protection play a vital role in a well-balanced financial plan. Our goal is to help you achieve success as defined by you. We also want to provide peace of mind that all along the way you and your balance sheet are prepared for both the expected and unexpected events that will occur. We provide solutions for:
- Life insurance
- Disability insurance
- Long term care insurance
- Home and auto insurance analysis
- Employee benefits analysis
- Business and Personal Liability Analysis
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Investing
In theory, investing should be simple-you buy low and sell high. In reality however, most investors experience the exact opposite-they buy high and sell low. This “strategy” is a surefire way to run out of money. At Hudson Pendleton Financial Group, we apply research from the world’s leading economists to develop investment strategies that make sense for you at your given risk tolerance. By incorporating your personal goals and risk tolerance, we are able to develop a strategy that you will have the confidence to stick with even when the market turns volatile. Our asset management services include:
- Risk tolerance assessment
- Group Retirement Plans
- Executive Compensation Plans
- Stock Option Analysis and Planning
- Investment policy statement design
- Asset allocation
- 401k and IRA rollovers and reviews
- Tax managed portfolios
- Tax harvesting
- Manager due diligence, selection and maintenance
- Retirement account management and analysis
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Business Succession and Wealth Transfer
Whether you are trying to solve an estate tax problem or creating a business succession strategy, it all starts with a plan. No matter the size, we can work with you to develop a plan that most efficiently articulates your wishes, protects your family and business and preserves your legacy for future generations. Our planning includes:
- Business Valuation
- Business and Family Consulting
- Will and trust reviews
- Family planning coordination
- Special needs planning
- Estate planning, advising and review
- Inheritance management and planning
- Beneficiary designation review
- Gifting and philanthropy
- Estate tax review and minimization
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Group Benefits
Whether you are looking to add benefits to attract and retain new talent or are in need of them for yourself, choosing the most effective mix can be a daunting task. You want what is best for your people, but also have to keep an eye on the bottom line. In today’s constantly changing benefits environment, we can help guide you through your options and weigh the costs versus the benefits for you, your company and most of all your employees. Our benefit services include:
- Employee Benefit Analysis
- Group and Individual Life and Disability Benefits
- Voluntary Benefits
- Executive Compensation Plans
- Retirement Plans and Investments
- Stock Option Analysis and Planning
