planning services

Whether you need to reassess your current wealth plan, or start from scratch to create one, Panoptic has a variety of planning services to suit your needs. Contact a wealth advocate and gain a knowledgeable partner who provides assistance, helping you prepare for and work toward your goals.

• Investment Planning
• Insurance Planning
• Retirement Planning
• Wealth Planning
• Tax Efficiency Planning
• Business Succession Planning
• Business Benefits Planning
• Estate Planning
• Risk Management Planning

benefits realized

Panoptic has helped our clients grow their wealth and realize the numerous additional benefits that we offer. Click a plan to learn more.

• Wealth Plan

  • Built a comprehensive wealth strategy that truly reflects and embodies client's personal goals, values, and life objectives
  • Enabled clients to make informed decisions regarding their financial situation and how they can best optimize the benefits of the wealth that they have accumulated over time
  • Presented client with options to directly help grandchildren in ways they had not considered before
  • Maintained an ongoing relationship with the client in order to assure that their plan is in constant alignment with objectives
  • Closed up coordination gaps between client's other advisors, bringing all parties and entire plan into alignment
  • Eased the minds of clients regarding their financial situation
  • Worked with client toward obtaining the financial freedom to travel and visit grandchildren several times a year

• Estate

  • Evaluated how much client could afford to gift to their children and/or grandchildren
  • Dealt with generation-skipping issues and leveraged the generation-skipping tax exemption
  • Assessed the feasibility of various methods of charitable giving
  • Minimized estate taxes and capital gains taxes
  • Repositioned assets so that future growth occurs outside the estate
  • Involved adult children in the estate planning process so that everyone understands the intent of the estate
  • Put plans in place to financially impact not only children and grandchildren, but also great-grandchildren and beyond

• Investments/Retirement Planning

  • Integrated wealth planning knowledge into client's personal investment decisions
  • Utilized analysis, helping them to make informed decisions on retirement planning options and on age of retirement
  • Evaluated specific investments in light of their asset allocation decisions
  • Assisted client in identifying their personal benchmark to achieve plan and positioning investment portfolio accordingly
  • Reworked investments so that current income is met, with the goal of assuring growth so that they will never outlive their money
  • Brought the risk/reward relationship of their portfolio into alignment
  • Assured that investments stay consistent with plan objectives through ongoing monitoring

• Risk Management

  • Evaluated insurance portfolio, helping client to determine what needed to be kept, upgraded, or replaced
  • Utilized survivorship needs analysis to determine current and future insurance needs
  • Reviewed Power of Attorney, Living Will, and Trust and identified language that needed to be updated
  • Recognized and helped to resolve gaps between ownership and insurance titling
  • Represented clients in the marketplace to help them attain the best possible combination of price and quality
  • Identified undue liability exposure caused by improper ownership and determined the best method of realignment
  • Utilized planning tools to determine long term care exposure and provided client with a tailored solution

• Business

  • Developed an exit strategy from their closely-held business
  • Set plans in place to carry the business beyond just the next generation
  • Implemented plan to retain key employees, subsequently increasing value of business to buyers
  • Designed and implemented funding strategies of for buy/sell agreement between multiple owners
  • Maximized retirement savings opportunities for business owners
  • Helped owners to diversify assets away from their business