Letter from the President
Growth of $1
Maximize Risk-Adjusted Return
Maximize Return after Taxes
Maximize Returns after Inflation
Maximize Returns after Fees
Maximize Returns after Policy Decisions
Combine Tax and Investment Expertise
Combine Estate and Portfolio Optimization
Model Expected Returns
Monitor Risk vs. Return
See TEAMS Benefits 1-6
See TEAMS Benefits 7-13
See Model Portfolios
Plot Model Portfolio Returns
Begin with Our Process

A Letter from Tim Voorhees

For more than 40 years, we have provided portfolio planning as part of the estate planning process. We welcome an opportunity to show you how we combine portfolio optimization with estate tax optimization (to maximize use of exemptions) to produce true wealth optimization.

Portfolio optimization begins with an Investment Policy Statement ("IPS"). Your IPS can show you how to reduce fees, taxes, and other expenses that hurt portfolio performance. Enhancing returns just a few percentage points can result in millions of additional capital for funding your vision.

This brochure covers the three main issues that we address in our investment policy statements. Section One explains how capital accumulates much more dramatically when you minimize unnecessary expenses. Section Two explains how we integrate advice from your tax advisers and investment professionals. Section Three shows how we develop model portfolios.

Feel free to contact us to discuss how we can help you maximize the values of your portfolios after taxes, after fees, after-inflation, and after expenses. Please email me at tim@vfos.com or call me at (800) 447-7090. We look forward to working with you

Best regards,

Tim Voorhees, JD, MBA


Customer Relationship Summary
Please see our most recent Form ADV Part 3 at www.vfos.com/Webdocs/FormADVPart3

The Tax-Efficient Asset Management Solution, Inc. ("TEAMS") and Pan Global Advisers ("PGA")
operate as Family Office RIA, an SEC-Registered Investment Advisory Firm.
695 Town Center Drive, Suite 700, Costa Mesa, CA 92626
Phone: 949-878-9400 • Fax: 949-878-9420 • Email: info@VFOS.com.

© Tim Voorhees, JD, MBA, 1996-2020