In today’s rapidly changing world and increasingly complex financial environment, managing your own finances and investments c
In today’s rapidly changing world and increasingly complex financial environment, managing your own finances and investments can feel like an impossible task.Global economic changes, new tax laws, volatile stock and bond markets combined with the many financial and investment alternatives can often create confusion.Many individuals do not have the time or the expertise to properly address the numerous financial issues they face.
That is why individuals turn to Pasqua Wealth Management.We welcome the opportunity to meet with you to discuss how we can help you meet your personal financial goals.For more information, e-mail us at mikep@pasquawealth.com or call Michael Pasqua CPA/PFS, CFA at 952-934-2380.
As the list below is by no means all-inclusive, please feel free to inquire about a service if you do not see it listed.If it is not a service we provide, we will refer you to a qualified professional.
You have worked hard to create your wealth. Now the challenge is protecting and maximizing it. Most individuals do not have the time to properly address their own financial issues, yet we all seek financial security for ourselves and family. Whether your goal is funding retirement, saving for a child's college education, buying a new home or reducing your tax liability, a financial plan can help you achieve those goals.
The first step to achieving any goal is to have a plan. Whatever your financial goals may be, Pasqua Wealth Management is committed to helping you reach them. And since your financial situation, needs and goals will continually change, we view financial planning not as a one-time event, but an ongoing process designed to help you achieve financial peace of mind. We bring a comprehensive and personal approach to financial planning. We can assist you in dealing with such issues as:
Cash Flow and Net Worth Statements
Cash flow and net worth projections
Financial projections to determine ways to achieve both short-term and long-term financial goals
Periodic updates to monitor progress
Debt Management
Assistance in developing a budget, restructuring debt, mortgages, mortgage refinancing and home equity loans
Cash management strategies
Retirement Planning
Establish retirement income needs and objectives
Develop a systematic plan for saving
Analyze tax and cash flow issues effecting retirement
Analysis of retirement account contribution and distribution options
Personal Risk Management and Insurance Needs Analysis
Review of current coverage
Assessment of appropriate amounts and types of coverage for life, disability, long-term care and other insurance
Education Funding
Identification of effective funding and saving alternatives
Develop a systematic plan for saving
Compensation and Benefits Planning
Strategy and timing with tax deferral opportunities
Company ESOP, ESPP and stock options
Coordinate with investment planning
Trust and Estate Planning
Establish goals
Discussion of methods to direct or distribute wealth
Review of current wills, trusts, beneficiary designations and asset ownership
As a company, offering financial planning services to busy executives can allow them to focus on corporate issues, enhance the competitiveness of their compensation package and provide them peace of mind. Time is of the essence in corporate America and offering your executives personal financial planning services saves them time while still highlighting their need to achieve personal financial goals. Working with an advisor allows the executives to have a continuously adjusted plan with minimal time on their part. In recent years, corporate executives have repeatedly been surprised by the tax consequences of stock option exercises, stock sales and other financial strategies due to inappropriate planning. Help your executives avoid these mistakes with Pasqua Wealth Management’s executive financial planning services. Services available to executives include the following:
In recent years, tens of thousands of employees working for public corporations lost hundreds of billions of dollars of stock option wealth. Many suffered the largest financial losses of their lives due to the dramatic drop in stock prices. Dreams and hopes were destroyed. Tax bills were unthinkably large. Plans to buy homes, pay for college educations, and fund retirement programs were deferred or wiped out due to these losses. Despite the fact that market fluctuation is unavoidable, proper planning can help position the option holder to minimize taxes and maximize value from the stock options. In addition, a stock option plan can take the emotion out of exercising and selling company options and help to minimize the number of unpleasant surprises that can come with stock option transactions.
Capitalizing on stock options requires careful planning and constant monitoring. There are a variety of issues to consider and seeking professional assistance can help ensure stock options are dealt with properly. Pasqua Wealth Management can help you unlock your stock option wealth with the following services:
When an investor lacks clearly defined investment goals and a long-range implementation program, the portfolio can easily become a jumble of hit-and-miss decisions based on emotions rather than facts. Investments options today are seemingly infinite, and without the help of a systematic plan and approach, selecting the investment vehicles that fit your short and long term goals can easily turn into a gamble that likely will not produce the returns or stability you seek.
At Pasqua Wealth Management, we can help you make more effective investment decisions. Obtaining the highest expected return for a given level of risk is considered the most efficient form of investing. Based upon Nobel-prize winning Modern Portfolio Theory, we work with our clients in constructing well diversified, efficient portfolios, maximizing the expected return while minimizing the risk. In addition, we work with clients to ensure their investments are properly allocated across taxable and tax deferred accounts, and within taxable accounts we consider their unique tax circumstances when selecting investments. The ultimate goal is to achieve the desired return after taxes and investments costs while maintaining the minimum level of risk and volatility necessary to achieve that return.
Finding the mutual funds and/or separate account managers that support your investment policy is critical to your investment success. We have relationships with numerous separate account managers and are constantly performing due diligence reviews of mutual funds and managers as well as qualitative analysis to ensure they are aligned with our clients’ needs. With these relationships and our custodial platform at Schwab Institutional, we assist clients in implementing an investment program that incorporates multiple managers and investment styles, often at minimums and management fees below those available to other individual investors. Specifically, our investment advisory services will include:
Designing an investment policy and efficient asset allocation strategy reflecting your current financial picture, long-term needs and risk tolerance, including:
What are your cash flow needs?
What are your liquidity needs?
What is your income and estate tax situation?
What is your time horizon?
How much volatility can you tolerate?
If you have a high concentration in a single stock, what are your exit strategies?
Which asset classes are appropriate for achieving your goals?
What level of return will be required to meet your goals?
Mutual fund and separate account manager selection, in some cases obtaining reduced management fees and account minimums. In analyzing funds and managers, we consider such factors as the following:
Investment style, philosophy & reputation
Long-term performance record, in both up and down markets
Cost efficiency
Tax efficiency and annual turnover
Diversification and risk profile
Manager contribution and consistency
Adherence to stated styles and objectives
Service to clients and communications
Assessing ongoing performance and rebalancing as needs change. Comprehensive, consolidated quarterly performance reports can include the following:
Portfolio cash flows
Current asset allocation compared to your target allocation
Total portfolio return compared to weighted benchmarks
Individual manager performance versus identified benchmarks
Unrealized gains and losses
Asset allocation for both managed and unmanaged assets
