Family Financial Services

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.

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• Comprehensive Financial Planning
  • It is our belief here at Apex that your personal wealth is about far more than money. This is why our financial advisors mandate working with you towards achieving a holistic financial plan which takes into consideration your assets with regard to your health and family.
• Tax & Retirement Planning
  • In this challenging economy, we put a heavy focus on the preparation and 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.
• Income Tax Minimization
  • We can help you to morally and appropriately increase your available tax deductions and maximize the potential of tax credits to assure that you are able to keep as much of your earned income as possible.
• Lump Sum Distributions
  • We can help you to determine if a lump sum, or one time, payment is right for you in the event of a commission check or accepting of a pension for a deceased pensioner.
• Retirement Income Management
  • As an element of our comprehensive financial planning, we develop a retirement income projection that helps us to navigate our way through your peak earning and investment years and to help best prepare you for your financial needs during your retirement years.
• Estate Preservation
  • Our main goal here at Apex is to help you maximize your family’s enjoyment of life and allow you to make the most of your time together.  We will work with you to formulate a personalized plan to conserve, transfer, and even expand your wealth both before and after your death.
• Estate Tax Reduction & Planning
  • There are several methods of minimizing the damaging effects of the government’s estate tax (up to 35%) to your gross estate.  We will evaluate your personal situation and help you to take advantage of such reduction tactics as the “portability” of the estate tax exemption.  Note that such exemption elections must be indicated in estate tax returns on a timely basis.  We will work with your tax preparer to ensure this information is prepared and communicated in a timely manner.
• Inter-Generational Wealth Transfer
  • The most beneficial wealth transfer requires a vast knowledge and proficiency in estate planning, tax planning, and the personal desires of the parties involved. Here at Apex, we work closely with our clients and their families in order to be most aware of and best serve their needs with the end goal of maximizing the continuity of the family estate for generations to come. We will assist you in recognizing opportunities for efficient wealth transfer to and tax savings for your family’s future generations.
• Philanthropic Strategic Giving
  • Following the footsteps of the great Andrew Carnegie, here at Apex we provide our interested clients with the knowledge and opportunity for the philanthropic giving of one’s estate. We will work with you to determine which charitable organization best satisfies the intent of your generous donation.  Additionally, we can help in establishing a Private Family Foundation.
• Private Family Foundations
  • Our experienced advisors can help you to establish a Private Family Foundation which will pool your wealth and redirect it towards the charitable foundation of your choosing.
• Family Office Services
  • In the case of particularly wealthy families, some individuals chose to establish a Family Office to internally manage the private family estate.  Apex can assist you in the planning and execution of this establishment, as well as provide our services in the event of a question or concern you and your family might have along the way.
• Special Needs Planning
  • Being the family advisory group that we are, we take pride in assisting you in the creation of a special needs plan in the event that you or one of your loved ones may need extra help or medical attention. We take the personal desires of you and your family as our top consideration in aiding you to devise this financial plan for additional health-related stability.
• Divorce Planning and Asset Valuations
  • Divorce is a difficult process involving many emotions. Apex brings objectivity to the planning process. What assets are truly worth when taxes, restrictions and illiquidity are taken into account. We are able to assist throughout the whole process and make intelligent recommendations to all of the involved parties.