Our Expertise
Our Expertise

Wealth Management

100% Expert Wealth Management

with zero percent sales pitch


The conversation of "risk" at many financial companies results in an insurance policy or annuity. A FirsTrust Certified Financial Planner® sees risk as an actual issue, not a sales opportunity, and lends an unbiased evaluation and professional perspective to the subject from many critical angles:

  • premature death
  • falling interest rates during retirement
  • loss of employment
  • an extended period of low investment returns
  • losing a primary asset such as your home or business
  • higher than expected future tax rates
  • exposure to an economic disruption
  • threat to the continuity of the family business
  • unexpectedly erosive inflation during retirement
  • inner-family conflicts over inherited property
  • losing creditworthiness to lenders
  • unwittingly creating trust-fund babies
  • illiquidity during a cash requirement
  • extended illness or disability
  • having all of your assets in one basket
  • loss to divorcing spouse or in-law
  • frivolous, intrusive or expensive legal battle
  • hack or breach into your electronic records and financial data

These are important conversations to have with an experienced, unbiased, Fee-Only Certified Financial Planner® at FirsTrust.



Our clients tell us some of their greatest concerns surround cash management.

First and foremost, they want to make sure their money doesn’t run out before they do; so we generate a variety of what-if scenarios to project income, and stress-test the ability of their resources to generate cash flow under multiple scenarios and over different periods of time.

Additionally, they want a reliable and consistent “flow” of cash, which is achieved by creating a sustainable wealth management process for moving cash and funding their accounts upon regular intervals.

But our clients also want to be tax efficient, so we also spend a lot of time “sourcing” their spendable income from their accounts in a manner that generates the least amount of tax burden. For many retired clients, this involves an ongoing efficiency analysis. Should your income come from investments that producer dividends and interest, or is there a more tax efficient way to generate cash flow? Should you defer withdrawals from your IRA or retirement account? Can your income be derived from capital gains at a lower tax rate?

At FirsTrust, our top wealth managers discuss all of your tax planning needs with you to ensure your mind is put to ease.



Did you know a portion of company retirement plans may qualify for capital gains tax treatment - but NOT if you roll it over to an IRA?

As a Florida firm, retirement planning complexities like this have become our specialty, and anyone whose primary objective is to attain and maintain a comfortable retirement should be very cautious about all of the "advice" that will be routinely thrown at them.

For example, most financial professionals get paid when you make an election to “roll-over” your retirement accounts; so, who is going to advise you when NOT to?

Several tax planning, early-access, investment posturing and/or asset protection opportunities will be lost once you make this election, and Florida is swamped with Senior Citizens whose retirement years are less than golden because they relied on bad advice and oversold products.

It is absolutely critical that the decisions you make while planning for retirement, approaching retirement, and during retirement, are made with extreme competence, non-conflicted objectivity, and guided by professional fee only advisors with true expertise in this field.

  • Planning for retirement: Disregard the one-size-fits-all advice, such as "You should save between 5 to 10 percent of your annual income for retirement". Proper retirement planning evaluates many factors to determine the proper amount to save, including accurate income & expense data, and detailed calculations to determine the amount of net spendable income you can expect, when you can begin receiving it, and what-if scenarios that account for variables such as inflation, taxes, lifestyle conditions, future medical expenses and potential elder care.
  • When approaching retirement, it is important to adjust the risk exposures in your investment portfolio and make sure no last-minute market fluctuations send you back to the drawing board.
  • And during retirement the focus should shift toward deriving cash flow (not "investing for income"), with the least income tax consequence, managing the risk of loss, properly designating the right beneficiaries and integrating retirement accounts into your estate plan.



At FirsTrust, tax planning evaluations take place constantly. It’s a core discipline that applies to every aspect of effective wealth management, and there’s no separating them.

Income tax planning should be more than just a year-end exercise, especially if you're retired. Should you always defer withdrawals from your IRA or retirement account? Are there deductible losses that should be used before they expire by year-end?

Investment tax considerations arise constantly, and properly re-balancing your portfolio involves an assessment of opportunities to capture gains, and sell losses, in a manner that results in minimal tax.

Estate taxes, as of this writing, are considered one of the most outrageous tax invasions ever enacted by Congress, and FirsTrust has full-time trust and estate specialists whose job is to remain fluent with the country's most cutting edge techniques for reducing, or eliminating, our clients' exposures to state and federal gift and estate taxes. (more below)



(Visit our Trust & Estate Services page)



(Visit our Investment Management page)



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