Wealth Distribution

 

	Trust & Estate Planning
Retirement Income Distribution		Business Succession Planning
	Charitable Giving Strategies

Wealth distribution is not just about benefitting from the investments, retirement accounts or other assets you have built. It's about understanding the complex financial issues individuals, families and businesses will face as they progress through the natural transitions of their lives. Whether your goal is to enjoy retirement, pass on your business to a chosen successor, or leave a legacy through the passing of assets to your heirs or charities, efficient wealth distribution requires working with a firm that understands the orderly, equitable and tax-efficient transfer of wealth.

The advisors and financial professionals at Centinel Financial Group, LLC work with you, your loved ones, and your legal and tax advisors to help you design an estate and wealth distribution strategy that operates in an orderly and tax-efficient manner. Our process centers around four key areas:


Trust & Estate Planning
With an effective trust and estate planning strategy, you can control your assets according to your wishes, reduce administrative costs, and help ensure proper management of your affairs should you become unable to do so. Our team coordinates with your tax and legal advisors to help you both fund and execute a trust and estate conservation strategy.


Retirement Income Distribution
Retirement income distribution is a critical link in building a comprehensive retirement plan. While many investment models focus on the accumulation of retirement assets, the retirement income distribution phase focuses on balancing the safety and liquidity of your retirement assets, with a need for growth of income during your retirement years. It takes into account the tax sensitivities of required minimum distributions (RMDs) and the ongoing awareness of fixed vs. variable retirement expenses. Our team works with you to assess your fixed and variable expenses during your retirement years, and the structure of your retirement assets, to help meet these needs.


Business Succession Planning
Our succession strategies for business owners can be tailored to your wealth transfer objectives. We can provide Life Insurance and Disability Income Insurance funding for a Buy-Sell Agreement to help provide for the orderly distribution of a closely-held business if an owner passes away prematurely, becomes disabled or decides to sell or exit the business.


Charitable Giving Strategies
As part of your estate conservation strategy, or to fulfill your desires for philanthropic support, our team can help you develop charitable or family gifting strategies to help you pass along your wealth according to your desired wishes.


Our financial analysis and recommendations are not intended to replace the need for independent tax, accounting or legal review. Individuals are advised to seek the counsel of such licensed professionals. Centinel Financial Group, LLC, John Hancock, Signator Investors, Inc., nor any of its affiliated companies provide specific tax or legal advice.

Signator Investors, Inc. provides fee-based advisory accounts and fee-based financial planning and only qualified representatives enrolled in the Signator Investors, Inc. Corporate Registered Investment Advisor Program may offer these advisory products and services.