Families & Individual Investors

Apex Financial Advisors goes to great lengths to understand the financial needs of you and your family. We provide an array of services that are geared to preserving and building your wealth in any financial climate.

In working with Apex, you have an opportunity to consult with an advisory firm that has wealth of experience and a stellar reputation in successfully helping clients reach their financial goals.

Click on any of the links below to learn more:

• Investment Management
  • Apex manages all investment classes. These include Equities, ETF’s, Tax Free Municipal Bonds, Taxable Fixed Income, Alternatives Investments, and our own proprietary managed futures program.
• Comprehensive Financial Planning
  • We offer clients a holistic personalized approach. Apex’s services include high-end proprietary comprehensive financial planning and advice including investment asset allocation strategy and planning, tax minimization, retirement cash flows, and estate movement to next generations.
• Income and Estate Tax Planning
  • Through our intense review of your income, assets and liabilities, we develop both income and estate tax projections and then recommend the utilization of various strategies and tax deductions to reduce your tax liability. The result is more wealth for you to transfer to heirs.
• Inter-Generational Wealth Transfer
  • The most beneficial wealth transfer requires vast knowledge and proficiency in estate planning, tax planning, and the personal desires of the parties involved. Our goal is to maximize the continuity of the family estate for generations to come.
• Gifting Strategies – Annual Exclusion and Lifetime Exclusion
  • $13,000 may be gifted annually to any number of individuals. You may also gift up to $5,120,000 to any number of beneficiaries in your lifetime (through 12/31/2012). These are separate exclusions that we look to utilize in wealth transfer strategies for our clients.
• Retirement Income Management
  • Planning for a reliable cash flow in order to maintain financial stability for your family. Be it a retirement plan or just planning the reduction of tax liabilities to free up cash for other purposes, Apex will guide you through the steps to financial independence and stability for your family in the years to come.
• Living Trusts
  • We will guide you in establishing a trust for your assets with the goal of maximizing your estate, minimizing tax implications and unnecessary fees such as probate costs. It will also secure your wishes for your beneficiaries.
• Generation Skipping Trusts
  • A trust which typically pays income to your children but bypasses your children’s estate. Upon your children’s demise the principal passes estate tax free to your grandchildren.
• Credit Shelter Trusts
  • In this type of trust the assets are split to your spouse and a trust for the benefit of your spouse. The amount of funding for the Credit Shelter amount usually equals the lifetime exclusion. The income generated passes to your surviving spouse and ultimately on your spouse’s passing your children or grandchildren receive the assets. While less popular with the current portability law in place, the estate laws continually change and should, therefore, be reviewed on a regular basis.
• Irrevocable Trusts
  • A trust which may not be revised after implementation. Typically used for Life Insurance Policies and permanent gifting.
• Qualified Terminal Interest Property Trusts (QTIP)
  • In this trust the property normally passed directly to a spouse is instead placed in trust for the spouse. It will provide income for your spouse during their lifetime with principal invasion allowed for necessities. The principal ultimately passes to next in line immediate family.
• Qualified Personal Residence Trust (QPRT)
  • It may be beneficial to transfer ownership of your personal residence into a trust at a lower tax valuation. The term of the trust and your age determine the discount used for valuation purposes. You must survive the term of the trust or the value of your residence will be included in your estate.
• Family Limited Partnership / LLC
  • Apex offers extensive experience in helping families establish Family Partnerships. We facilitate the creation, funding, ownership transfer and ongoing investment management. This is an excellent wealth transfer vehicle normally utilizing discounts for minority interests and illiquidity.
• Charitable Trusts
  • Your prolonged support of a specific and important charitable organization can continue beyond your lifetime by establishing a Charitable Trust.
• Private Foundations or Donor Advised Funds
  • If you are charitably inclined we will assist you in managing your charitable donations and bequests in the most efficient and comprehensive manner.
• Life Insurance
  • Typically purchased as a term policy to fulfill a need during working years or as whole life to cover estate taxes and asset transition.
• Family Office Services
  • Apex offers to high net worth families all of the services of a family office. Plans are tailored to each individual family.
• Special Needs Planning
  • We take pride in the creation of a special needs plan tailored to the unique circumstances of that loved one who needs assistance during their lifetime.
• Personal Trust Services
  • Apex focuses on preserving and building wealth for future generations. A professional or corporate trustee can assume responsibility for carrying out your documented wishes and manage the administration of the trust, while Apex would still have the ability to manage the investment of your assets. For clients who may not have a trustee, Apex now offers the ability of a trusted partner, National Advisors Trust Company, one of the largest independent trust companies in the nation, to serve in this capacity.