Klingman Comprehensive Services

• Financial
  Independence
  X

  Financial
  Independence

  Along your financial journey, you’ll come to a point where you’ve accumulated enough wealth to start shifting your focus from achieving your goals to enjoying your success. To paint a clear path to financial freedom, WE will:

  • Explore your family’s short, medium, and long-term objectives
  • Determine optimal spending and savings strategies 
  • Plan for life events such as buying a new home or managing changes in family or career circumstances
• Tax
  Planning
  X

  Tax
  Planning

  As your wealth increases, you’ll need an increasingly disciplined tax management strategy. To make the most of your assets, WE will:

  • Manage your investments in the most tax efficient manner
  • Minimize your income taxes by planning for distributions, earnings, and other taxable events 
  • Assess the estate tax implications of your financial situation
  • Work closely with your tax advisors on the preparation of your quarterly and year-end returns
• Investment
  Management
  X

  Investment
  Management

  While your investment plan doesn’t drive your wealth strategy, a consistent long-term approach is essential to achieving your financial goals. Together, WE will:

  • Determine appropriate asset allocation for the long game, with an eye on minimizing taxes 
  • Manage your family’s wealth through market cycles with discipline and order
  • Bring you personalized and independent solutions as a true fiduciary, putting your interests above all else
• Cash
  Management /
  Bill Pay
  X

  Cash
  Management /
  Bill Pay

  Too often, you can feel burdened by effectively managing your cash flow to make sure your cash is properly working for you. Together, WE will:

  • Help you maintain appropriate cash balances to meet your monthly spending needs
  • Consistently manage your excess cash balances to ensure reasonable rates of return and proper liquidity to fund your ongoing spending
  • Coordinate bill pay services to reduce the demands associated with paying your bills when appropriate
• Risk
  Management
  X

  Risk
  Management

  Because life is unpredictable, carefully considered insurance plans are a crucial means of protecting you when unforeseen events arise. In our work together, WE will:

  • Evaluate your existing life, disability, and long-term care coverage
  • Identify and fill coverage gaps
  • Assess your property and casualty coverage
• Philanthropy
  X

  Philanthropy

  Impacting the world around you can be one of the greatest benefits of accumulating wealth. By considering your family’s impact on the causes that matter to you, WE will:

  • Consider the role of philanthropy in your family’s goals and legacy
  • Ensure that your charitable giving is done in a tax efficient manner
  • Present optional vehicles for giving, including Donor Advised Funds and Family Foundations
  • Manage the process of your family’s gifting
• Estate/
  Generational
  Planning
  X

  Estate/
  Generational
  Planning

  Being thoughtful about how you want your wealth to benefit future generations can bring tremendous peace of mind. WE will work together to:

  • Evaluate your estate documents to ensure they align with your objectives
  • Use the annual gift exclusion in the most effective manner
  • Continually revisit your strategy, adding appropriate trusts and structures as your life – and your goals – evolve 
  • Engage your family members to be strong stewards of your (and their) wealth
• Life
  Coaching
  X

  Life
  Coaching

  We often joke that your financial plan grows stale the moment you walk out of our meeting…because your life evolves in both planned and unplanned ways. Working together, WE:

  • Counsel you on career transitions including the life impact of retiring
  • Have deep conversations with you about the impact of your financial legacy on children and grandchildren
  • Help you navigate the complexities associated with the death or disability of family members
  • Advise you on home purchases and financing