Financial Planning Solutions

Everyone deals with finances, but many lack to plan when it comes to their finances, resulting in less than desired outcome.

Walnut Investment Services is a different beast - we take your money... period! That way you never have to worry about your finances or dealing with them. It's a simple formula and a great peace of mind.

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Investment Planning

Investment planning considers your tolerance for risk, your time horizon, and your mix of taxable versus tax-deferred assets.

Diversification is the key to reducing risk in your portfolio.

This means that although a big loss in one asset class (such as large-cap U.S. stocks or emerging markets) will diminish your returns, your exposure to a variety of other asset classes will increase the likelihood that you will experience gains in some areas of your investment portfolio.

Liquidity planning attempts to balance your cash-flow needs with specific investments.

For example, for your short-term needs, invest in assets that are less volatile and can be easily converted to cash, such as money market funds and short-term bonds.

Assets earmarked for your longer term goals may be invested in more risky investments that have a history of higher returns.

Tax Planning

Some examples of tax planning include the following three concepts:

1. Pre-paying your state taxes. This strategy should be helpful for individuals living in states with high income tax, such as California. It can be of benefit for those who do not fall into the Alternative Minimum Tax system, which disallows the deduction for state taxes.

2. Exercising stock options over several years to keep you in the lowest possible tax bracket for all years.

3. Bunching your itemized deductions into one year, a helpful trick if you don't have enough to itemize in one year. For instance, you may want to pre-pay two years of your church or synagogue membership dues in order to get a double deduction in the first year.

Estate Planning

Components of estate planning include instructions to take effect in the event of your unexpected incapacity or death, specific bequests to family, friends, or charity, and minimization of estate and income taxes.

Estate planning is often the hardest of the five areas of financial planning for people to address, since it deals with a person's mortality and other somewhat unpleasant issues.

However difficult these issues may be, this area is crucial to consider for those who have children, a spouse, an aging parent, or other dependents.

If you are charitably inclined, you can incorporate some creative estate planning to give a portion of your assets to your favorite charity, while giving yourself some tax breaks on the gift while you are alive.

Insurance Planning

In planning for your insurance needs, you don't want too much insurance (over-insuring) or too little insurance (under-insuring).

You want to make sure that the big risks that could harm your health or wipe out your savings, such as damage to your home from floods or earthquakes, are covered through insurance.

Consider insurance coverage for your health, as well as your home, its contents (whether you are an owner or renter), cars, boats, jewelry, and business assets.

You may have a need for other insurance coverage. Long-term disability provides income protection if you are disabled. In the event of your death, life insurance provides a payment to a chosen beneficiary.

Umbrella insurance covers catastrophic losses. Long-term care insurance will pay for part or all of your care in the event you are incapacitated.

Wealth Planning

Ensuring your legacy is as important as minimizing your tax liability, and protecting your reputation is as important as protecting your portfolio.

Money is a piece of the puzzle, but your family is the big picture.

Walnut Investment Services is serving as advisor, facilitator, and investment manager to select clients who are driven to achieve their greater family vision and to ensure their legacy.

We are dedicated to inspiring and empowering families to live at their highest potential.

Whether you seek institutional-quality investment management or a broader portfolio of services, this web site will introduce you to the benefits of partnership with Walnut Investment Services LLC.

Walnut Investment Services provides an personal approach to asset management, no matter how large a client's investment portfolio might be. It is at the core of what we do, ensuring that each client has the means to realize their long-term vision.