Investment Management

Our Structured Investing investment philosophy is grounded in academic theory, backed by Nobel prize-winning research and more than 80 years of economic data on the efficiency of capital markets, the benefits of diversification and impact of investor behavior on investment success.

Retirement Planning

Retirement Planning is the process that helps you have a successful retirement. It is extremely important to make the proper decisions regarding retirement planning while working and when you plan to retire. Vosberg & Associates unique planning process, Total Retirement Income®, is a clear, effective system designed to help you generate the income you need to retire in comfort. This 5 step process will help you put a plan in place that lets you sleep at night free of worry about running out of money.

Wealth Plan/Financial Planning

A Wealth Plan is an individualized document that focuses on your current financial situation and how to move you towards financial freedom. We look at your current goals and provide guidance and direction on how to move toward achieving these goals. As goals will change with time, we provide regular reviews and updates to your plan to allow for you to achieve these goals.

Risk Management

We define risk as one of our core planning strategies for clients. This provide for insurance needs of individuals, families, small businesses and athletes. We also provide solutions for complex estate planning and wealth transfer issues.

Estate Planning

Estate planning is focusing on how to effectively and efficiently pass your assets to your heirs. With the estate tax code always changing, it is important to have your estate plan current. If not, you risk the IRS taking part of your estate away from your heirs. There are many estate planning strategies that with help maximize the transition of your estate. Some of the most common strategies are:

  • Living Trusts
  • Charitable Trusts
  • Grantor Retained Annuity Trust
  • Qualified Personal Residence Trust
  • Irrevocable Life Insurance Trust

Because every estate is unique, we work closely with your CPA and attorney to customize a plan that meets your goals.

Tax Planning

Tax planning focuses on efficiently minimizing the amount of taxes paid on both investment returns and also the overall personal and business taxes.

Investment Tax Planning: Extensive consideration must be given to how investments should be held, as certain accounts give favored tax treatment. Utilizing both qualified retirement account and non-qualified accounts, creates an opportunity to allow individuals to maximize their after tax investment returns.

Our comprehensive tax management also employs tax efficient rebalancing and tax harvesting to increase portfolios after tax return and minimize the amount of tax paid on income and capital gains.

Personal/Business Tax: Income tax is a core planning strategy that we focus to minimize for our clients. By understanding our clients current income and tax capacity, we can focus on strategies that will help retain income and reduce the amount of taxes owed. We utilize a combination income shifting, tax harvesting, tax deductible investments, tax deductible fringe benefits and individual and corporate retirement plans.

Real Estate Consulting

Investing in Real Estate provides a non correlated asset class when compared to the stock market. There are many ways to hold Real Estate in a portfolio. The follow are several ways we help clients acquire real estate:

  • Outright – as an individual, jointly, in a trust or a partnership
  • Real Estate Investment Trust (REIT)
  • Tenants in Common (TIC)
  • Delaware Statutory Trust (DST)

We work with clients to help then choose which type of real estate is best suited for them. By doing so, we can help maximize their overall real estate returns.