How We Work
“Individuals here so much about "retirement." The task can be very confusing aside from consuming a great deal of time for even the most astute individual. Most individuals may find the task daunting, aside from deciding on how to fund a life-time of income. To simplify the task and to help them throughout the entire process, we complete this task first, by utilizing the "Retirement Expense Form."
To assist a colleague or individuals, I am attaching a copy of the “Retirement Expense Form,” for your consideration. To learn more about how we work, feel free to visit our websites.
Followed with a net-worth statement, review of tax returns, completion of all other income sources, along with a complete estate evaluation, wills health care proxies. Second, we'll run various analyses to address the allocation for funding the income. Third, we'll prepare a cost-analysis concerning the funding options and sources of how to minimize or pay-off excessive taxation on all or some of the assets. In a holistic manner, we'll coordinate the overall task to completion.
The next task, we discuss the funding alternatives and incorporate an individual Investment Policy Statement, similar to a qualified plan IPS. This provides a very focused outline about the types of investments that are to be utilized in the funding of the life-time income plan and to also incorporate the highest level of flexibility and liquidity.
After completing this task, we can then move on to the funding stage for individuals seeking; Growth or Income and perhaps a blend of both.
Our best-practice addresses, flexibility and liquidity as an integral part of the planning and is paramount as part of our fiduciary process, while maintaining minimal costs in every aspect from; funding, taxation, the Estate, the Beneficiaries and the current concern to maximize income while minimizing risks. Since changes are inevitable, flexibility is paramount.
The funding approach is supported by our research of a given recommendation and due-diligence, supported by relevant known transparent facts provided by third party such as; Moody’s, Standard and Poor’s, Credit Suisse, Argus, The Dow, or other third party research firms and institutions that provide; Mutual Funds, (No-Load), ETF’s (Exchange Traded Funds), Stocks, Bonds, Alternative Investments, International or Global, Domestic or “Other specialized management,” Insurance companies, Banks, or other sources in the consideration of “Funding,” a specific TGA Capital Managed Account/advisory client account.
But it is vital to complete the priorities, prior and throughout this task, while advisory transparency in its reporting is part of our advisory best-practice.
Implementations are provided after the primary processes are completed. Once implementation of recommendations is employed, ongoing monitoring is evident throughout the client cycle while providing continual client reports to the advisory/client and consultation.
This obviously includes account allocations based on the given information as it relates to specific portfolio models such as; Growth, Moderate Growth, Blended, Income Portfolio, or a specific sector allocation such as; MNLP’s (Multi National Limited Partnerships, Energy, Technology, Precious Metals, Alternative Investments, REITS, Tax-Free Bonds, or other income providing sources separate from our managed account(s), such as insurance application, provided on a separate service and or not part of our financial services agreement, while potential of, pass-through or advisory management schedule reduction and or adjustment can be evident.
In the interim, if you feel that we are a possible fit for your requirements and would like to discuss your concerns or schedule a brief consultation, feel free to call us. Your request for more information is without any obligation.
I can be reached at 1-508-224-9646 or email me at, mgreen@tgacapitalmanagement.com Visit our website at; http://www.tgacapitalmanagement.com and be sure to down load your free copy of, “The Changing Retirement Story.”
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Please scroll down to the bottom of this page to download your "Retirement Expense Form." You'll need Adobe Acrobat Reader to down load or to open.
TGA Capital Management
A Registered Investment Adviser, established in 1982.
TGA Capital Management-provides form ADV part 2 and an easy read Brochure and simplified Financial Services Agreement.
TGA Capital Management-works strictly on a fiduciary basis and does not discriminate between plan sponsors, its employees or individuals.
TGA Capital Management-does not accept commissions of any kind in the separate account management of advisory client(s) portfolio of securities.
TGA Capital Management-client(s) receive 100.00% of all interest, dividends, capital gains, or any other economic benefit of all separate managed account(s).
TGA Capital Management-does not accept any “soft-dollar arrangement from any third party provider or institutional account custodian.
TGA Capital Management-Custodian(s) all accounts with a U.S., domestic Institutional provider through Charles Schwab & Co., Inc., Institutional Services and other highly recognized U.S., Institutional providers.
TGA Capital Management-will provide our privacy policy, “Best Practice Ethics”, our fee-only, low-cost, fee schedule for the benefits of retirement plan sponsors and its employee participants.
TGA Capital Management – Your portfolio is constructed accordingly to “Preservation, while attaining consistent interest, dividends of highly rated fixed income securities, with equities as a secondary focus (satellites). And to meet your time horizon, risk/averse and other pertinent personal considerations, while providing liquidity, and tax sensitivity.
TGA Capital Management-Is “Proactive in the management of your portfolio. The managed accounts are monitored on a daily basis, and adhere to the financial services agreement.
TGA Capital Management-provides ongoing consultation, conference, E-Alerts, while providing personal one-to-one consultation, educational, informative website, Webinars.
TGA Capital Management(s) Institutional Custodian(s) will provide 24/7 on-line account access, year-end tax reporting, (1099’s, k1’s, K2’s, IRA, retirement plan requirements, (RMD’s, Required Minimum Distribution reporting), and other tax reporting requirements.
TGA Capital Management – You’ll work with a disciplined advisory managing your account specifically for you.
TGA Capital Management – Your not limited to any single style of investing, however, our number one (1) priority is to act prudent and strictly in protecting the investment you’ve worked to accumulate.
Why is it important to have a “Personal Investment Policy Statement”? This will serve you in many, many ways ; What you or others (Third-Party) should or should not invest your nest-egg into, what should or should not be in your holdings, the rating’s of companies you will only hold, what types of securities are “Fiduciary,” and what type’s) are considered “Suitable,” there’s a big difference and let me explain why.
As a fiduciary, I am responsible, accountable by law, to do what’s best in my advisory/partners interest solely.
The firm’s founder has participated on a myriad of financial related media over his tenure. Is a life-long resident, resides in Massachusetts. Life-long awards can be viewed at linked in and more detailed information including our privacy policy can be found at the following websites.
What is an RIA?
A registered investment advisor (RIA) is a professional advisory firm that offers personalized financial advice to its clients, many of whom are affluent.
• Many independent RIAs work with complex portfolios and address unique needs that require a highly customized level of investment management strategy and consultation.
• Many independent RIAs are owned by the individual advisors who run them.
• Many independent RIAs provide advice and services for a fee based on a percentage of the client’s assets.
• RIA firms are registered with the Securities and Exchange Commission or state securities regulators, are subject to the Investment Advisers Act of 1940, and have a fiduciary duty to act in the best interest of their clients.
Why might an independent RIA be a good choice for an investor?
• Independent RIAs generally have affiliations with a variety of firms who assist with tax planning, estate planning, money management and more. These affiliations allow them to help their clients with complex financial needs.
• An independent RIA’s affiliations generally make available a wide universe of products and services to them, so that an RIA can tailor solutions to an individual client’s goals.
• Some independent RIAs’ compensation is directly related to growing their clients’ assets, which can benefit both the advisor and client alike.
Visit: www.riastandsforyou.com for more information.
1 Get advice based on what’s best for you.
Whether it’s your retirement planning, tax situation, estate planning or assets at multiple places, it’s fundamentally important that your advisor truly understand you, your goals and your situation. Many independent registered investment advisors (RIAs) are in a position to do that and pride themselves on strong personal interaction with their clients and dedication to their needs. They believe that their independence is key to offering investment advice based on what’s best for their clients.
2 Understand exactly what you’re paying for.
Independent RIAs typically charge a fee based on a percentage of total assets managed. This fee structure may have advantages. It’s simple and easy to understand, helping to avoid surprises. It also gives your advisor an incentive to grow your assets—when you succeed, your advisor succeeds.
3 Get advice for your complex needs.
Many independent RIAs provide services that address a variety of complex investment needs that often arise when you accumulate significant wealth, such as assisting you with the sale of a business, complicated tax situations, trusts and intergenerational issues. Some advisors are specialists in certain investment strategies. Others can assist you with comprehensive services, such as estate planning or borrowing. Given the rich diversity of specialization throughout the industry, no matter how complex your individual needs, you will likely find an independent RIA who can provide advice that’s right for you.
4 Enjoy a different kind of relationship.
The goal of an RIA is to help find solutions that are closely aligned with client needs and objectives, and many independent RIAs enjoy a deep, personal relationship with their clients. This often takes regular, ongoing interactions. And because many independent RIAs are entrepreneurial business owners, the buck stops with them, so to speak, and they frequently have a strong sense of personal accountability to their clients.
5 Know where your money is held.
RIAs typically use institutional custodians—generally large brokerage firms or banks—to hold and safeguard their clients’ stocks, mutual funds and other assets. These custodians also provide important infrastructure services such as executing trades and preparing monthly brokerage statements for clients. This helps an RIA focus on understanding your needs and providing the best advice possible.
We understand it takes a very personal “leap of faith,” to consider your potential and I thank you for taking the time to read this. The advisory provides this material solely to provide informative, educational information.
Best Regards,
TGA Capital Management,
Michael D. Green, Principal
This content is made available by TGA Capital Management for educational purposes only. This is not a solicitation nor recommendation to buy or sell a securities nor to imply any tax or legal advice, always seek a registered investment advisor to attain your risk/averse attitude and investment suitability before investing. All information is considered accurate and reliable, however, due to changing market, economic, taxation, institutional, and other pertinent potential cycles and variations, future results cannot be guaranteed by past performance and should be monitored on a continual periodic systematic basis to provide current advisory recommendations that meets the client short-term potential deviations and management disciplined style, while advisory provides solely long-term recommendations.
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