SERVICES

Focused Financial Planning

Retirement Plans & Executive Benefits

Having a good benefits package can play a big part in attracting and maintaining talented employees, which is why having competitive retirement plans and executive benefits in place is vital. This will not only keep your employees happy and motivated while they are working, but will also give them and yourself the ability to achieve a successful retirement. There are many different plans available and the rules that govern them can be complex and different for each plan. That is why it is so important to work with a firm that has a team with the right experience to help make sure it all works out as planned.

Our Mission: To provide businesses with competitive retirement plans, while maximizing each participants account balance at retirement.

Services Provided:

  • With our years of experience in investment research and due diligence, we will help your business navigate the many investment options that are available to make sure only high-quality funds make it into your plan. This will help your business stay in compliance with 404(c) regulations.
  • We will provide your employees with access to professional, active money management inside of their retirement plan account by using our proprietary Dynamic Asset Allocation process. This is the same service we have been providing to our best clients for over 8 years, and will help each participant retire comfortably.
  • For the individuals who want to control their own asset allocation, we will provide periodic focus lists that will help them choose from among the leading investment choices in each asset class.
  • We will provide both group and individual investor education to the active participants. This will help the participants better understand their benefits and how to use them effectively. Another benefit to investor education is that it usually increases participation and contributions into the plan, which could reduce costs to the plan and allow greater contributions by the key employees and owners.
  • We will provide your business with a personalized Investment Policy Statement that will help to ensure that your plan accomplishes your company’s goals and objectives.
  • We will provide your company with an annual effectiveness review. Every year we will review your plan fees and expenses, plan design, contribution rates, participation rates, investment choices, and how your plan compares to others. This process will help ensure that you always have a competitive retirement plan and helps keep your plan compliant with 404(c) regulations.
  • We will provide your business with plan design support in conjunction with a qualified third party administrator to help make sure your plan is up to date and runs efficiently, while also allowing owners and key employees to make maximum contributions.
  • Our advisors will also provide your employees with access to additional financial services, such as: tax planning, retirement planning, distribution planning, financial planning, education planning, estate planning, risk management, as well as guidance on their outside investments, just to name a few. (Additional charges can apply.)

Tax Planning 

The amount you pay in taxes is the difference between what you earn and what you can keep.  

Services Provided:

  • We will review your investments and portfolios for strategies that could reduce current taxable income.
  • We will discuss with you the advantages and disadvantages of various tax deferral methods, as they fit your situation.
  • We can meet with your tax advisor on proactive tax strategies and year-end tax planning techniques.
  • An extensive review will disclose the most tax-efficient ways of utilizing (or initiating) tax-advantaged employer benefit plans and retirement programs.

 

Education Planning

Of all the investments you will make, education is one of the most important and expensive.  The returns are felt over a lifetime.  College graduates experience greater earnings, less unemployment and more self-confidence throughout their lives than do high school graduates.

Services Provided:

  • We will analyze your education funding needs based upon your time frames, schooling preferences and investment tolerances.
  • We will develop a funding program consistent with your cash flow abilities.
  • Our recommendations will review the tax implications of various education funding vehicles and ownership methods.

Retirement Planning

Planning for retirement means determining your retirement goals and accumulating enough wealth during your working years to finance these goals.

Services Provided:

  • Our analysis will consider personal, employer and government resources, which will provide you with retirement income.
  • You will have flexibility to project your current expenses using various economic assumptions, while adjusting for items that will not be present during retirement (e.g. mortgages) or increasing areas of desired life quality (e.g. travel).
  • Your goals and investment tolerances will be combined with the time available to accumulate sufficient resources to meet your goals.
  • Funding and investment strategies will be recommended, including current and future taxation considerations.

Risk Management Planning

Managing risks is part of everyday life.  Although you can never entirely avoid risks, you can try to minimize the risk of financial catastrophe.  Managing risks, in financial terms, means providing enough money to offset a financial loss in the event of illness, death, disability, liability or property loss.  Most people transfer the risk of any such event to a third party, such as an insurance company.  In the event of loss, insurance provides the income that meets your family’s needs and minimizes the discomfort caused by loss.

Services Provided:

  • All existing plans will be analyzed for appropriate coverage amounts and cost effectiveness.
  • Your unique situation of assets, liabilities and cash flow will be reviewed in determining desirable coverage levels.
  • Your attitudes and tolerances for taking risk, both personal and investment, will be factored into our recommendations.
  • Time frames will be considered, both before a likely event and after it, in determining the financial preparation needed and the financial impact resulting later.
  • Unnecessary expenses will be recommended for discontinuance and weakness in coverage will be clearly explained to you.

 

Estate Planning

The process of arranging for the transfer of your property to your heirs in a manner favorable to you with a minimum of financial loss.  For death tax purposes, your estate will include all the property, real estate, and insurance you own at death.  Depletion can result from payment of death taxes and payment of probate expenses.

Services Provided:

  • We will analyze your current estate plans for suitability to state and federal law.
  • We will consider the appropriateness of various trusts, powers of attorney and distribution methods to your situation, as we seek to minimize estate taxes and generally reduce exposure to all taxing authorities.
  • We can meet with your attorney on proactive estate strategies and tax saving techniques.
  • We will assist in the coordination of insurance, investment and retirement plan beneficiary designations in conjunction with your estate plans and goals.
  • We will review protection techniques that might otherwise erode your estate due to a disability.
  • You will have the piece of mind of knowing that your intentions will be honored and your loved ones protected.

Expanded Services:  Business Owners

Estate plans will be reviewed for succession strategies and tax implications upon transfer.

 

The Investment Strategy

Investments can be a means to accumulate wealth or to obtain a steady flow of income.  Investing also can provide a steady flow of income.  Investing can help you maintain your present purchasing power in the future.  Choosing investments can be a complex and challenging task.  An important goal is to get the best return possible, while maintaining a level of risk that is comfortable to you.

Services Provided:

  • Using a sophisticated psychological profile, we will assess your risk tolerance and recommend appropriate asset categories to be included in your portfolio.  Your profile will be reviewed at least annually.
  • Your portfolio will be reviewed for the expected performance of current investments and the risk being taken to get those returns. 
  • We will search for the optimal combination of investments for your risk profile to increase the probability higher returns with the same, or lower, risk.
  • We will search out top performing or undervalued investment assets to match your optimal portfolio.
  • We will assist you in the buying and selling of investment assets at negotiated discounts and institutional rates, at your request.
  • We will provide reviews of your portfolio guarding against asset failure, a ranking system of portfolio assets to identify under-performing investments and portfolio reoptimization at least semi-annualy of assets serviced by our companies.
  • You will receive semiannual reports for each asset we service, as  well as the entire optimal portfolio, accounting for funds added and withdrawn. 

 

The Strategic Action Blueprint

A financial plan will be tailored to your needs.  An extensive review is made of assets and liabilities, current income and expenses, insurance coverage, retirement planning, child education expenses, estate planning, cash flow needs and your investments.  An extensive assessment is made of your current and long-term, objectives, goals and tolerances.

Services Provided:

  • A team of professionals will develop an extensive assessment of your financial situation.
  • A written review and set of recommendations will detail the successful pursuit of your goals and objectives.
  • The review may discuss specific and/or generic investment recommendations, tax planning alternatives, and the accumulation of capital toward multiple goals.
  • Our recommendations will be consistent with your risk tolerance, tax situation, income and expense levels, cash reserves for contingencies and your overall attitudes and philosophies regarding personal and financial issues.
  • We will assist you to implement your plan by searching for appropriate investments, meeting with tax and legal advisors, comparing current insurance coverage, etc.

Expanded Services for Business Owners: 

  • We will include your business holdings in the analysis, with recommendations covering retirement plan and fringe benefit design.
  • Estate plans will be reviewed for succession strategies and tax implications upon transfer. 

 

Total Wealth Management

A coordinated financial plan is tailored to your needs.  An extensive review is made of assets and liabilities, current income and expenses, insurance coverage, retirement planning, child education expenses, estate planning, cash flow needs and your investments, including the Investment Advisory services.  An extensive assessment is made of your current and long-term needs, objectives, goals and tolerances.

Services Provided:

  • A team of professionals will develop an extensive assessment of your financial situation.
  • A written review and set of recommendations will detail the successful pursuit of your goals and objectives.
  • The review may discuss specific and/or generic investment recommendations, tax planning alternatives and the accumulation of capital toward multiple goals.
  • Our recommendations will be consistent with your risk tolerance, tax situation, income and expense levels, cash reserves for contingencies and your overall attitudes and philosophies regarding personal and financial issues.
  • We will assist you to implement your plan by searching for appropriate investments, meeting with tax and legal advisors, comparing current insurance coverage, etc.
  • Investment assets serviced by our companies will be regularly monitored.  Reports of their performance will be provided at least twice per year.  The research and selection of a discretionary money manager on your behalf will also be provided.  We will monitor all activities of the money manager chosen for appropriateness to your stated objectives.
  • Because changes in external and personal circumstances can have significant planning implications, we can provide “what if” scenarios in addition to annual progress report updates of your plan.

Expanded Services for Business Owners:

  • We will include your business holdings in the analysis, with recommendations covering retirement plan and fringe benefit design.
  • Estate plans will be reviewed for succession strategies and tax implications upon transfer.

MPPL is a Wisconsin-based SEC registered investment advisor. MPPL does maintain client relationships in other areas under state specific exemptions and/or de minimus provisions. MPPL reserves the right to refrain from accepting new clients, when state regulations are prohibitive.

 

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