企业 & 高管

特殊的服务

We are dedicated to building meaningful long-term relationships with you, 你的员工, 和你的家人. 阅读更多 > 澳门赌城app在线的顾问和关系经理在一个家庭友好的环境中提供个性化的关注,这是大型银行和华尔街公司根本无法比拟的. 澳门赌城app在线经验丰富、反应迅速的员工努力工作,确保每一个细节都得到妥善处理. Everyone at 卡罗莱纳州投资咨询 is committed to service that exceeds expectations. 澳门赌城app在线的业务是为您服务的.

手工制作的经验

纵观澳门赌城app在线20年的历史, we have helped businesses and 执行s navigate the complexities of modern finance.阅读更多 > 澳门赌城app在线的顾问知道仔细倾听以了解每个公司和高管的独特情况的重要性. 多亏了澳门赌城app在线的独立, 澳门赌城app在线可以自由地追求客户的最大利益,而不像知名金融集团那样,出售自有产品.

专家的指导

澳门赌城app在线的客户受益于澳门赌城app在线专业团队的所有专业知识,共同提供见解和指导. 阅读更多 > This combined breadth and depth of knowledge lets us simplify the complex, 解决不确定性, and chart the best course for each company, 执行, 和家人. We combine considerable experience with a commitment to continuing 教育 and research. We have the joy of experiencing long-term trusted relationships with our corporate clients, 支撑开放, 有爱心的, and steady guidance throughout full market cycles.

澳门赌城app在线可以从你的盘子里拿走什么?

退休计划咨询

The retirement plan landscape is changing rapidly; you deserve a partner who will be with you for the long run.  We take a refreshing approach to consulting.  作为注册投资顾问,澳门赌城app在线的独立性使澳门赌城app在线能够消除存在于大型银行和保险公司的固有利益冲突.  澳门赌城app在线的信托实践和思维方式让澳门赌城app在线与您和您的员工处于同一阵营.  澳门赌城app在线将实用的建议和机构口径的工具与行业最佳实践相结合,以提高您的员工绩效并保护您, the plan sponsor from the ever changing environment.  澳门赌城app在线的服务包括:

  • 3(21)和3(38)信托服务
  • 投资计划菜单设计
  • Creation of the Investment Policy Statement
  • 记录者 & Third Party Administrator (TPA) RFPs
  • Use of independent providers to reduce conflicts of interest
  • Proprietary research, monitoring, and reporting
  • 参与者的教育
  • Risk based asset allocation and model portfolios
  • 性能报告

ERISA披露2021年

投资组合管理

Partnering with our business owners and 执行s, 澳门赌城app在线利用团队的大量专业知识以及机构级别的投资组合和风险分析,构建持久的投资组合.  Each person has unique needs, challenges, wants, and desires.  We co-create portfolios with you by taking all facets of your life into account.  Our investment portfolios are built for the long term, with consideration for needs of the short term.  Our investing tenets guide our decision making at every turn:

  • 长期投资: 澳门赌城app在线与您共同创建一份投资政策声明,并制定长期战略资产配置,作为所有投资决策的基础
  • 风险管理: 与其他咨询和咨询公司不同,澳门赌城app在线不认为波动一定等于风险.  We define risk as the permanent loss of capital.  As such, we focus on downside risk and the perils that come with large losses.
  • 养老方式: We believe in a total return approach to investing.  Income investing can be a great marketing tool but in reality, 许多客户最好制定一个合理的支出政策,并从资本增值和收入的结合中获得收益.
  • 客观的建议: Our Consultants and in-house research team pride themselves on providing objective, 无冲突的投资建议.  With no proprietary products and no affiliation with asset management firms, we are free to pursue the best interest of our clients.

财务规划

There are many moving pieces when it comes to your personal financial life.  Add a business on top of that and you’re looking at a very complicated financial picture.  In complex circumstances such as this, an organized financial plan that builds, 保护, 维持你的遗产是至关重要的.  通过与您一起工作,通过组织和数据收集过程,对您的目标有了深刻的理解, 你的CIC团队将制定一个符合你愿望的计划,并补充你的主要财富来源:你的企业.

随着业务的发展和成熟, we will continue to work with you to ensure your plan evolves as well.  With knowledge ranging from cash flow and debt management to insurance and tax planning, 你可以感到自信,你的CIC团队将准备好回答问题,减轻你的担忧.

When it comes time to retire or separate from your business, we’ll address succession goals and put a transition plan into place. Having experienced this kind of change with our clients many times before, 澳门赌城app在线能够让你为你个人的情况可能带来的决定和挑战做好准备.

  • 保险审查: 如果你已经有保险的话, your CIC team can review your current policies for red flags related to your risk exposure.  如果需要保险, we, in conjunction with your insurance advisor, can help you understand what type of protection may be appropriate for you and your business.
  • 企业福利回顾: Having reviewed many benefit packages for clients in the past, 你的CIC团队有足够的经验来理解和解释最复杂的情况,并回答可能出现的任何问题.
  • 继承 & 遗产规划: Partnering with you and your attorney, 你的中投团队将制定一个退出计划战略,补充你的继任意愿和整体财务计划.
  • 慈善和家庭内礼品: If you are charitably inclined or interested in passing wealth to your loved ones, 你的CIC团队可以帮助你或你的企业以最有效的方式向个人捐赠, 组织, 以及你们所珍惜的社区.
  • 退休计划 & 预测: 你的中投团队将帮助你确定退休目标,并将其优先排序,同时还会为你提供各种可能的储蓄工具.  一旦目标确立, we can run projections and talk through the tradeoffs that come with adjusting key variables.  这些变量包括, 但并不局限于, 退休年龄, 预计年度支出, 以及活期存款利率.
  • 集中库存 & 多样化的投资组合管理: 许多高管和企业主拥有公司股票或企业资产,这些资产占他们净资产的很大一部分.  如果你是这样的话, 你的中投团队一定会管理你的投资组合,以创建一个与你的风险承受能力相匹配的整体投资组合配置.

集中持有

有句老话说, “Fortunes are made through concentration and are kept through diversification.”  Your wealth that’s concentrated in a single asset is both a blessing and a curse.  中投公司丰富的专业知识和经验可以帮助您通过集中管理策略保存和增长您的财富,例如:

  • 家庭的礼物: 澳门赌城app在线的客户通常喜欢看到他们的财富传给下一代,而集中的头寸创造了一个加速财富转移的机会. We can help you brainstorm ways to execute these gifts, 要么彻底, 在信任, 通过家族有限合伙, 或其他转移方法.
  • 慈善礼物: If you feel strongly about leaving a charitable legacy, utilizing highly appreciated or concentrated holdings can be a powerful way to fund this goal. We can facilitate intra-life transfers to donor-advised funds, 私人基金会, 慈善信托基金, or directly to your favorite charities.
  • 训练有素的剥离: 随着时间的推移,企业主和高管通过其职位的性质积累了集中的财富. For those who want to manage their portfolio risk in a more traditional way, 澳门赌城app在线实施税收意识多元化计划,同时协调任何递延薪酬,并在必要时遵守交易限制.
  • 衍生品策略: If you feel strongly about maintaining your exposure to a specific company, 澳门赌城app在线可以设计一个投资计划来抵消与你的头寸相关的相应风险. 导数的使用, such as buying put options or selling call options, 是一种有效的方法,既能降低投资组合的风险,又能保持你所持资产的完整性.

May we help your family and you keep what you’ve earned?

业务出口计划

你花了数年时间建立了一家成功的企业,现在是时候考虑一下当你退出时会发生什么. 谁将接管? 你会参与多少? How many more years until you transition out? 你的CIC团队将与你和其他专业顾问合作,完成退出计划的过程.

  • 内部或第三方转账
  • 慈善或家庭内赠与
  • 房地产 & 税收的影响
  • 业务持续计划

最近的流动性事件

An influx of cash can be overwhelming to manage. 你可能不确定如何最好地平衡现金需求和维护你和你的家庭所建立的. Your CIC team can help you navigate these scenarios with confidence.

  • 出售生意或房地产
  • 递延补偿
  • 股票期权或限制性股票
  • 遣散费

组织

澳门赌城app在线的许多企业主和高管客户都有两个共同的特点——缺乏时间和需要保持有序.  It’s for that reason that we dedicate a leather bound binder, 叫做家庭组织者, 给澳门赌城app在线的每一位客户.

The Family Organizer is intended to be a collection of your most important financial documents.  These documents include Corporate Benefits, 纳税申报表, 保险政策, 现金流分析,  净资产语句, 和其他重要文件.  这次会议为制定总体财务战略和提出适当的投资建议提供了基础.

家庭组织者将被安全地安置在澳门赌城app在线办公室的保护室内,以确保您的个人信息的安全, 私人, 并可用于每次审查.

家庭办公室

对于那些在职业生涯中挣扎的人来说, 家庭和社区义务, CIC offers a comprehensive family office service: your outsourced “CFO”. 您的CIC团队将以最大的谨慎和专业的勤奋来处理您家庭的财务需求.  服务包括:

  • 现金流预测和监控
  • Income tax review and strategies (in coordination with your tax advisor)
  • 房地产 Planning and Wealth Transfer (in coordination with your attorney)
  • Education Planning and Family Gifting
  • 多代计划 & 教育
  • Risk Management and Asset Protection
  • 投资管理

  • 帐户访问