Investment Management We will work with you to set clear and definable expectations with unbiased, customized solutions designed to work in concert with your financial goals and objectives. We work with you to understand and establish risk and return objectives to maximize your after-tax, risk-adjusted returns. Our detailed quarterly reports provide timely and useful feedback to measure our performance.   Income Tax Planning SGFA offers year round professional tax advice. All financial decisions related to debt management, retirement planning, education savings, estate planning and investments have tax implications. SGFA works with you and your other advisors to identify opportunities to reduce your short-term and long-term tax liabilities.   Estate Planning Estate planning encompasses more than just minimizing estate taxes and having a will. Successful estate planning ensures your wealth is passed on to the people you choose. It ensures your minor children are cared for after your death and that someone you trust will make life or death decisions on your behalf in case you are incapacitated. Estate planning is critical for all clients whether just starting a family or on the verge of retirement. SGFA will review your current wills, trusts, powers of attorneys and other relevant documents and work with your other advisors to have a coordinated plan in place.   Cash Flow and Debt Management Managing cash flow, especially living expenses, is key to achieiving financial success. Although we can’t follow you into the jewelry store and give you dirty looks, SGFA will let you know when you are living beyond your means. Poor cash management can prevent the implementation of other key financial objectives such as retirement and education savings. Credit and debt management are vital parts of cash management. SGFA will explain the after-tax and total costs of debt alternatives to allow for valuable leveraging when appropriate.   Charitable Planning Many of our clients give back significant wealth to their community and to those less fortunate. Whether using a family foundation, donor advised fund, charitable trust or even a simple gift of highly appreciated stock, SGFA will work to maximize these worthy pursuits with effective investment and tax strategies.   Risk Management and Insurance Although wealth can take a lifetime to accumulate, wealth can vanish in the blink of an eye if not properly protected. Whether reviewing liability coverage to protect you from lawsuits or disability and life insurance to protect your family after a tragic event, SGFA offers an unbiased and independent review of all of your risk management and insurance needs. We will work with your other advisors to maximize asset protection and plan for unexpected events.   Executive Benefit Planning SGFA works with many executives helping them uncover and maximize benefits offered through their employer. SGFA will explain the benefits, recommend a plan of action (e.g. when to exercise stock options) and compare available benefits with those offered by outside parties.   Retirement Planning SGFA works with clients in the accumulation phase and those already enjoying retirement. During the accumulation phase, SGFA will analyze your income, expenses and current assets to set goals for retirement dates, retirement expenses and other goals and objectives. We run multiple “what if” scenarios for clients to assess the implications of possible client actions (e.g. purchasing a second home, working part-time during retirement, etc.). These projections are updated and used to measure the progress of achieving client goals.   Education Savings SGFA strives to assist your family with a plan for education savings that considers income taxes, asset control and ownership, and flexibility. We will help you explore UGMA accounts, Coverdell Education Savings Accounts, Section 529 Plans and other commonly used strategies.