
Estate Optimization
+ Portfolio Optimization
= Wealth Optimization
Estate Optimization determines
which tools (depicted as boxes
below) will produce future cash
flows. Portfolio Optimization uses
projected cash flows to determine
which portfolio mix will produced
appropriate aftertax returns. Wealth
Optimization occurs when we
integrate rate of return projections
for each portfolio to calculate
lifetime income and projected wealth
transfers.
The Uniform Prudent Investors
Act and recent court cases establish
the need for an investment policy
statement ("IPS"). Each of the
above planning tools will need to be
funded with assets that provide the
appropriate returns for beneficiaries.
We can develop an IPS for your CRT,
CLAT, FLP, ILIT, IDIT, or other
tools. After creating a separate IPS
for each tool, we will aggregate the
numbers to generate lifetime income
and wealth transfer projection charts
like those shown on the following
panel of this brochure. 