Investment performance is an important factor in determining whether or not our clients achieve their goals.  It is, however, only one of many facets of an effective financial plan - one that is comprehensive and cohesive.

A truly coordinated plan will analyze some or all of the following:

• Cash flow needs including strategies for deferred compensation payouts and monetization of concentrated stock positions.
• Income tax and estate planning strategies in conjunction with other advisors.
• Strategies for philanthropic and multi-generational planning.
• Plans for funding educational expenses for children and grandchildren.
• Allocation of investment assets on a comprehensive basis including those held in employer retirement plans and elsewhere. 
• The appropriate amount, type and ownership structure of life, disability income and long-term care insurance.
• Mortgage loans and debt management.
• Planning and care for elderly family members and special needs children.
• Future inheritances.

Our investment management approach is a long-term, disciplined, goals-based approach with careful consideration given to a client's risk tolerance.

Caplan Financial Group's investment advisory services include:

• Careful selection of asset managers or private, separate account managers.
• Monitoring manager performance and recommending changes as appropriate.
• Rebalancing portfolios as needed.
• Providing performance reports and analysis.
• Assisting clients and their tax advisors with year-end reporting requirements.

Caplan Financial Group has developed an investment management process that:

• Is driven by the client's specific goals and objectives.
• Rebalances portfolios strategically.
• Focuses on tax effective strategies.
• Avoids high risk activities such as short-term trading and market timing.

At Caplan Financial Group, we work closely with our clients to sort out the retirement planning landscape and establish a plan that fits each person's situation, goals and dreams.  We combine our years of planning experience with specially-designed software modeling to provide our clients with a vision of where their current plan is taking them, and what they can accomplish within certain time frames.

Retirement planning has two distinct phases: accumulation and enjoyment. During the accumulation phase, we provide our clients with recommendations for the type of retirement programs to utilize and the amount of money they will need to save. For clients nearing or actually enjoying retirement, six key issues need to be addressed:

• Do I have enough?
• What happens if I modify my investment strategy to provide greater safety?
• How do the tax laws impact my distribution options and planning?
• Is my family protected from the potential ravages of medical and long-term care expenses?
• What are the estate and tax planning considerations of my retirement plan?
• Will there be any assets left over for my heirs to enjoy?

At Caplan Financial Group, we use our combined 60 years of planning experience to help answer these questions. Whether our clients are in the accumulation years of their working life or ready to harvest the fruits of their many years of hard work, we are here to guide the way.

Caplan Financial Group is uniquely qualified to advise international clients who are exposed to the financial and tax systems of multiple countries. 

Virtually without exception, individual financial planning done in one country cannot translate free of issues into the tax and financial systems of another.  With increasing frequency, individuals have done some degree of financial planning.  However, such planning typically utilizes tax and investment strategies that are best suited to the individual’s needs and objectives based on local income tax laws.  When an individual relocates or one’s investments are exposed to the tax rules of another jurisdiction, excessive taxation may result.

Through a variety of financial planning services, CFG helps clients to:

• Untangle multiple tax systems.
• Enhance investment returns.
• Preserve accumulated capital.
• Limit financial risks.

Effective financial planning for the international client must consider the unique issues and opportunities presented when two or more tax and financial systems collide at the individual level.

Click Here to see our “Ten Key U.S. Tax Issues for Non-U.S. Citizens”

Income taxes are typically an individual's single greatest annual expenditure.  Careful tax planning and management is critical to the effective accumulation and distribution of wealth. At Caplan Financial Group, we work with our clients and their tax advisors to address head-on the changing tax laws that at one moment offer new opportunities and at the very next allow others to expire.

Our depth of experience in the field of taxation provides our clients with an independent review of tax planning opportunities presented to them by other advisors as well as a source of new ideas and new applications of existing tax saving strategies.  Cognizant of the dynamic nature of our tax laws, Caplan Financial Group strives to create financial plans that are flexible and able to adapt to changing laws and regulations.

Preparing and executing an effective estate plan requires a coordinated effort by one's attorney, accountant and other financial advisors. When our clients are ready to focus on planning for the disposition of their wealth, whether utilizing a lifetime gifting program, or a transfer of assets at their death, we help them:

• Define the interfamily, philanthropic and other goals that will serve as the guiding principles for their planning.
• Work with their estate planning attorney and coordinate the overall process.
• Analyze gift and estate tax planning opportunities.
• Manage the implementation of the final plan.

Estate planning is more than aiming to reduce or avoid estate and inheritance taxes. Deciding when, how, how much, and to whom an individual will transfer his or her wealth is a complex process. Our broad experience allows us to bring a variety of perspectives and ideas to our clients for their consideration.

There are numerous options available to parents and other relatives who seek sound approaches for funding higher education. Caplan Financial Group analyzes the various prepaid programs, savings programs, Section 529 plans, and less well-known, but effective, tax advantaged programs available to our clients. We combine one or more of these approaches in recommending a plan for our clients' education funding goals.

A sound financial plan addresses both the accumulation and protection of wealth and income. Significant financial hardship can ensue from death, disability and protracted illness. When an individual or family faces such a tragedy, the financial ramifications can be equal to the emotional toll. With proper planning, however, these risks can be managed.

Life, disability and long-term care insurance are valuable tools for protecting income and assets. The planners at Caplan Financial Group put over 30 years of insurance industry experience to work to provide our clients with insurance recommendations they can trust.