You’ve built wealth and you enjoy executive-level benefits because you set goals and you meet them. But, at the end of the day, do you really maximize your total compensation package? At E. Demmler & Associates, our goal is to eliminate Maybe and It Depends from your personal financial outlook. We’re here to help you leverage your successes with a concrete, actionable plan for wealth management. You tell us what you’re trying to accomplish and we’ll help you create a plan to get there. Our financial planning process allows us to have deep introspection into your complete financial picture. We use what we know to empower you to make educated decisions about your financial future. Because we monitor your Financial Plan on a daily basis, you don’t have to. And, when you make financial decisions, we know the parameters and will tell you how they affect your future. Bottom line, we see ourselves as a part of your team, keeping our eyes on the horizon so you can chart your course to the next destination. Find out more about the services we offer:
We understand the dynamics of owning a large quantity of a single stock, including how to ride the crests and troughs of the market with the resources you need for your life. We have ways to evaluate the risk of that stock and we understand what to do with it to maximize your return potential while managing short term fluctuations in price. We help you diversify your concentrated positions systematically over time in order to maximize the value of your holdings.
Executives have all kinds of benefits available to them, including Stock Options, Restricted Stock Units, Employee Stock Purchase Plans, 401k/Profit-sharing plans, Pensions and other deferred compensation programs. We help you understand how to use the options available to you, making sense of your total compensation package, outlining the parameters of how to use it, the tax implications of your choices and the most advantageous strategies for planning ahead.
Tax planning should be a part of every financial decision you make. That’s why tax planning permeates everything we do. We’re dedicated to making sure that you pay your fair share and nothing more.
The foundations of good financial planning are good cash reserves and protecting the things you can’t afford to lose. That includes you. Everyone protects their house and car; they’re easy to replace. But if you don’t protect the people in your family with the highest earning power or shield them from people with litigious aims, your family is at risk of losing everything you’ve earned. We’re here to discuss the pros and cons of life, health, disability, and long-term care insurance, as well as home, auto, umbrella, and professional liability insurance, helping you choose the right strategy for protecting you and your assets, depending on the stage of life you’re in. People often arbitrarily pick numbers for their coverage and wind up with too much or too little. We’ll help you pick a specific amount and type of coverage.
We’ll help you make informed decisions about the levels of coverage you have vs. the price, helping you to carry the coverage you need in the most effective manner, with the appropriate company.
Do you know the most time-efficient, cost-effective manner to transfer your assets from yourself to someone else, either at your death or during your life? Using our projections, which take into account the complete tax and legal implications of your choices, we will make suggestions about how to maximize the transmission of your wealth to your beneficiaries. Our suite of services includes referrals to qualified professionals, including business valuation experts, CPAs and estate planning attorneys.
Have you answered these three key questions: When can I retire? How much is it going to take me to do it? And where is the money going to come from? Even the most organized people, who know they’re doing the right things to prepare for retirement, aren’t always sure where their saving is going to take them. Simple retirement calculators are helpful, but not specific enough on which to base your retirement. You need a guide through the process. Fortunately, there’s a smarter way to plan for retirement. We’ll take into account all of your financial variables and let you know where they will take you. Once you see your initial and alternate projections, you’ll understand the decisions you need to make, starting with the four variables you have at your disposal:
We can help you answer all of those questions, based on your goals.
How much and what type of mortgage should I have? What about a home equity line? Should I pay off my car? Should I lease or own? We’ll help you understand the smart way to use debt.
There are much more tax-efficient strategies for the charitable distribution of income and property than gifts of cash. We are versed in the most advantageous ways to make charitable gifts and leverage them to most efficiently manage income taxes, estate taxes, probate and legal fees. We’ll help you choose the best strategies for your situation and can assist with the establishment and management of trust investments.
For the socially conscious investor, we have access to pooled investments that are screened not only for negative influence, but for positive influence as well, focusing on investments that promote environmental stewardship, diversity and human rights, for example. The socially responsible portfolios we recommend are screened on an ongoing basis to make sure that your investments stay in line with your values.
When you want to give wealth to your children, we will explain your plan to your children and help them make the best use of the funds you’ve given them, so that your hard-earned money sticks around for the long term.