个人 & 家庭

特殊的服务

We are dedicated to building meaningful long-term relationships with you and your family. 阅读更多 > 澳门赌城app在线的顾问和客户关系经理在一个有利于家庭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、反应迅速的员工勤奋工作,确保每个细节都得到妥善处理. 卡罗莱纳投资咨询公司的每个人都致力于提供超出预期的服务. 澳门赌城app在线的业务是为您服务的.

手工制作的经验

在澳门赌城app在线20年的历史中,澳门赌城app在线帮助客户驾驭现代金融的复杂性. 阅读更多 > 澳门赌城app在线认识到认真倾听的重要性,以了解每个客户的独特情况,并帮助确定和迈向财务和生活目标. 感谢澳门赌城app在线的独立, 澳门赌城app在线可以自由地追求客户的最佳利益,而不像那些销售自有产品的知名金融集团那样存在固有的冲突. 澳门赌城app在线专注于为您量身定制的全面理财和细致的投资管理.

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 简化 the complex, 解决不确定性, and chart the best course for you and your family. We combine considerable experience with a commitment to continuing 教育 and research. 澳门赌城app在线帮助决定如何最好地保护和增长财富,优化慈善捐赠,并规划您的遗产. We have the joy of experiencing long relationships and friendships with our clients, 通常是几代人, 支撑开放, 有爱心的, and steady guidance past all of life’s milestones.

澳门赌城app在线如何为您效劳?

投资组合管理

澳门赌城app在线与您合作,通过澳门赌城app在线深厚的专家团队和机构水平的投资组合和风险分析,建立持久的投资组合.  Each family has unique needs, challenges, wants, and desires.  We co-create portfolios with you by taking into account all facets of your family’s life.  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在线与每个客户共同制定投资政策声明,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在线不认为波动就一定等于风险.  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.  收入投资可以是一个很好的营销工具,但在现实中,家庭更好的做法是制定一个合理的消费政策,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.

退休计划

Whether retirement is a distant dream or your current reality; a well thought out retirement plan is essential.

当你还在工作的时候, 你的顾问将帮助你确定退休目标,并为其设定优先级,同时提出一系列储蓄工具和投资策略来帮助你实现这些目标.

When it comes time to retire, we’ll be ready to walk with you through the entire transition.  Having experienced countless journeys into retirement with our clients, we’re able to prepare you for the decisions and challenges that come with it.  拥有广泛的技术,从社会保障优化到现金流和收入策略, our consultants and planners will create a unique plan for your specific needs.

教育储蓄 & 礼物

With tuition prices at an all-time high, saving for 教育 continues to be a top priority for many families. If you are interested in setting aside money for your children, 孙子, 或其他受益人, your CIC team can talk you through an assortment of savings vehicles such as 529 plans, 学费预付计划, UTMAs, and Coverdell 教育储蓄 Accounts.  With your overall financial picture in mind, 你的CIC团队可以帮助你确定哪种储蓄方式最适合你的具体需求.

一旦车辆被选定, 你的CIC团队可以进行预测,以确定达到特定教育目标所需的储蓄率.  展望未来, 您的团队将继续监控您的账户,以确保资金正常运转,并确认您的捐款和分配继续以最有效的方式进行.

信托基金 & 地产

No one likes to think about their own death or incapacity.  Even fewer people like to talk about it.   因为这个原因, having estate documents such as wills, 信托基金, and powers of attorney is so imperative.  这些文件让逝者有了发言权,同时也让他们的亲人从不得不在一个情绪化的时刻做出艰难决定的痛苦中解脱出来.

With a strong understanding of your goals and overall financial picture, we can review your current estate plans to ensure they are consistent with your wishes.  If there are changes to be made or documents to be drafted, we can work with your estate attorney, 或者推荐一位律师, to develop a plan that alleviates your concerns and cements your legacy.

精通房地产律师经常使用的技术术语和税务最小化策略, 即使在最复杂的遗产规划情况下,澳门赌城app在线的规划师也能提供意见和见解.

卡罗莱纳州投资咨询 does not offer tax or legal advice.

保险

Risk management is a pillar of comprehensive financial planning.  An uninsured loss can expose your family to a drastic change in circumstances.  在许多情况下,澳门赌城app在线鼓励购买保险,以确保您的生活方式和财务目标不会在诸如死亡等灾难性事件后面临风险, 残疾, 或无能力.

澳门赌城app在线的专家, in conjunction with your insurance advisor, can help you understand what types of protection may be appropriate for you and your family.  Your CIC team is ready to take the complexity and bias out of purchasing life, 长期护理, 残疾, and property and casualty insurance.  如果您已经有了保险,澳门赌城app在线的团队可以检查您的现有保单的风险敞口,并回答您可能有的任何问题.

Collaboration with Other Professionals

While your CIC team works with you to organize, 简化, and plan your family’s financial affairs, it may be practical for us to collaborate with your other trusted advisors.  We’ll happily join forces with your CPA to ensure tax efficiency, 与你的律师一起确认你的遗产规划文件与你的整体财务状况是一致的, 与你的保险顾问合作,确保你的生活方式和财务目标不会在损失后面临风险.

Our collaboration with other professionals extends beyond your personal network of advisors.  当澳门赌城app在线相信他们的专业知识可以为您的整体财务状况增加价值时,澳门赌城app在线也会让您与澳门赌城app在线自己信任的联系人联系.  Our contacts include but are not limited to local CPAs, 律师, 保险顾问, Real estate professionals as well as Loan & 抵押贷款官员.

Having worked with many professionals in the aforementioned industries, 澳门赌城app在线可以通过典型的流程和合理的成本与每一项服务.  这种努力的协调确保采取最有效的方法来实现你的目标.

卡罗莱纳州投资咨询 does not offer tax or legal advice.

慈善捐赠

If you are charitably inclined, there are numerous ways to make gifts. Your CIC team can help facilitate the best ways for your family to give back to the causes, 组织, 以及你珍惜的社区.

  • 捐赠建议基金
  • 支持组织
  • 私人基金会
  • 慈善信托基金
  • 礼物 of Cash or Appreciated Securities
  • 礼物 of Business Interests or Real Estate

组织

As we grow older, the complexity of our financial situation grows as well.  With so many moving pieces, it’s easy to feel a bit lost in the shuffle.  这就是澳门赌城app在线的切入点.  We dedicate a Family Organizer to each of our clients.

家庭管理器旨在收集你最重要的财务文件.  These documents include copies of  Estate Plans, 纳税申报表, 保险政策, 外投资, 现金流分析, 净资产语句, 和其他重要文件.

因为财务规划过程需要在做决策时了解每个客户的完整财务状况, 家庭组织者为作出适当的投资建议和制订全面的财务计划提供基础.

家庭管理器将被安全保存在澳门赌城app在线办公室的一个受保护的房间,以确保您的个人信息的安全和隐私.  It will be taken to each meeting for your review.

家庭办公室

For those who are juggling a career, 家庭和社区义务, CIC offers a comprehensive family office service: your outsourced “CFO”. 您的CIC团队将以最谨慎和专业的勤勉来处理您家庭的财务需求.  服务包括:

  • Cash flow forecasting and monitoring
  • Income tax review and strategies (in coordination with your tax advisor)
  • Estate 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