Services

Wealth Management for Individuals and Families

The Apex Wealth Management Plan is a unique, proprietary plan available only to our clients. Our methods are fully transparent and easily understood, and our 360˚ service model ensures that we are 100% accountable to you. Everything begins and ends with you.

Income Tax-Free Retirement

We strive to help our clients to enjoy a retirement free from income taxes. Yes, it can be done! You work hard. You will pay thousands of dollars in taxes during your working years. Your golden years should be free from the burden of taxes.

With proper planning, we can help you allocate your assets such that withdrawals and distributions in your golden years do not generate taxable income. No taxable income means no income taxes. It also means no taxes on your social security and the lowest Medicare premiums. A truly tax-free retirement.

Your financial life is divided into 3 distinct phases: Accumulation, Transition and Distribution.

During the Accumulation phase, you are working, saving for retirement, and paying taxes. We can help prepare for retirement by allocating assets to tax-free vehicles as early as possible.

During the Transition phase, you are strategically and thoughtfully repositioning assets out of taxable and tax-deferred accounts and in to tax-free vehicles.

During the Distribution phase, you are enjoying the fruits of your labor with a bountiful retirement free from income taxes.

Wealth Management Plan

Your income tax-free retirement plan is part of a comprehensive wealth management plan. The Apex Wealth Management Plan focuses on 8 key areas of your life. Your Wealth Management Plan is a dynamic document that changes over time as your life changes. Your plan is full of useful information that will tell you exactly where you are on your financial journey, and how to get where you want to be.

The first and most essential piece of your Wealth Management Plan are your Connections. These are the principles, goals and personal legacy that will inform every decision in your Wealth Management Plan. After establishing your Connections, we focus on these other aspects of your wealth.

Retirement Planning – Ensuring that your golden years are financially secure by transitioning from taxable and tax-deferred accounts into tax-free accounts.

Investments – Growing your assets by choosing an investment portfolio that will meet your needs and goals, while being mindful of risk.

Risk Management – Protecting your wealth, family, and legacy from unforeseen events.

Titles & Beneficiaries – Correcting the titling of assets and account beneficiaries to ensure a quick, tax-efficient asset transfer.

Tax Planning – Apex are not tax attorneys. We will work with you to make sure your wealth management plan is as tax efficient as possible, and suggest strategies to reduce your lifetime tax bill.

Estate Planning – Apex are not estate attorneys. We will work with your estate attorney to make sure our efforts support your estate plan.

Philanthropy – Use your wealth to make an impact on our world, and leave a positive legacy.

Retire Plan Consulting for Businesses

At Apex, we love helping small and mid-sized companies design and implement a retirement savings plan for their employees. Establishing a retirement savings plan is more affordable than many business owners realize. Employer-sponsored retirement plans can be tailored to meet budgetary constraints and employee needs.

A well-designed, simple-to-use, and cost-efficient retirement plan can help attract talented people, keep talented people, and shows them you really care about their future.

We offer retirement savings accounts across the spectrum of complexity:

Simple, payroll deduction IRAs
Traditional 401Ks
Roth 401Ks
Split dollar insurance
Deferred compensation plans
Cash Balance Plans & more

Our retirement plans are perfect for lower and middle-income staff members that need to save for retirement, but don’t want to get buried in fees. We can also offer retirement plans for highly compensated executives, doctors, entrepreneurs, and professionals that allow for the deferral of income well-over the 401K-only model.

Apex can transfer your existing plan into a new plan or establish your first retirement savings plan. Apex can help wherever you are on your employee benefit journey.

Retirement Plan Guidelines

Our retirement plan consulting starts with the Retirement Plan Guidelines. Together, we will draft the Retirement Plan Guidelines that set out exactly what you want to achieve with your plan, the responsibilities for you, Apex, and your plan administrator. Only then can we design and implement a plan that matches your budget and needs.

Apex Ongoing Support

Once your plan is established, we will help manage your plan, review periodically for vendor performance, and serve as a ready resource for you and your employees. Your plan participants can reach out to Apex anytime with questions about their plan or general planning questions.

Are you thinking about establishing your first plan, but feel overwhelmed? Want to know if we can do better than your current plan? Reach out and let us know.

Give us the opportunity to earn your business.