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"I am favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." |
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- Milton Friedman |
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Executives Planning Services |
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Noyes Capital provides the highest quality Executive Planning services for hard working professionals and their families. Senior executives need a financial support team to watch out for their interests while they are working 24 hours a day, seven days a week at their primary job. In many cases, the families of Executives need a reasoned voice in financial matters when the Executive is unavailable. We strive to provide the Executive with the confidence that they will successfully meet their personal and family goals without diverting time that should otherwise be spent working toward family and career goals.
The planning process for Executives starts with our Comprehensive Financial Plan and adds several additional modules:
- Corporate Benefit Review - A formal review of the corporations benefit package can be the most important determinants of executive wealth. This includes maximizing and calculating the value of their compensation and benefit packages (executive stock options, deferred compensation plans, restricted stock, savings plans, etc.) available to the Executive. Knowing the value of each benefit is helpful in negotiating future compensation.
- Stock Option Exercise Planning - We are seeing greater use of options and restricted stock as a component of Executive Compensation. It is important to plan accordingly based on the type of stock option you have been granted because there are specific rules and tax consequences applicable to each. Typically we analyze the strategies for our clients in order to preserve and/or maximize the value of stock options and mitigate tax consequences.
- Strategies to Diversify Concentrated Equity Positions - We believe that diversification is a key to effective management of your financial portfolio. If a client has a large percentage of their net worth in one holding, we will typically recommend a diversification strategy in order to reduce volatility and downside exposure. In most cases, rather than advising our clients to simply sell their stock and pay the taxes owed, we will explore a number of alternatives that can be utilized to maximize tax avoidance and portfolio value. Noyes Capital may suggest a myriad of strategies including: gifting to family members, charitable-giving strategies, hedging through the use of puts and calls (also known as equity collars), tax-loss harvesting, or the transfer of a highly appreciated security into a diversified private equity pool of securities, also known as an exchange fund.
- Executive Life Insurance - While we do not sell insurance, we can offer independent advice as to the value of various insurance strategies such as corporate buy-sell agreements, split-dollar life insurance, key executive policies and insurance gifting strategies.
- AMT Tax Planning - A key variable in determining the type of exercise is the proximity of the client's tax position to the Alternative Minimum Tax (AMT). We work you're your accountants to find the maximum long-term gains that can be realized without invoking the AMT tax.
Noyes Capital provides Executive Planning Services on a case-by case or retainer basis determined by the number of hours a project is expected to take. |
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