Florek Financial

Florek Financial Wealth Managaement Services

Florek Financial offers fully integrated wealth management services. Our goal is to achieve superior results, while providing the highest degree of personalized service. Below is an overview of our services, from which a unique plan is then developed for each client:

Consolidation and Organization of Financial Affairs
We begin every client engagement with a discovery process that leads to a detailed statement of assets and liabilities. Additionally, we provide a single access point for interdependent documents by reviewing and consolidating your investment statements, estate planning documents, insurance policies, recent income tax returns, employee and retirement benefit plans.

Cash Flow Analysis and Investment Policy
We evaluate your projected cash flows, understand your financial and retirement needs and outline clear objectives to meet your goals. We then partner with you to develop an Investment Policy Statement and target asset allocation strategy consistent with your risk tolerance and expected rate of return.

Manager Selection
We construct portfolios to minimize the erosive effects of investment costs and taxes. We utilize a core and satellite approach, effectively pairing low cost, passively managed indexes with active asset managers to provide consistent, competitive returns while minimizing taxes. We construct portfolios unique to your needs, considering all constraints, including company retirement plan investment options.

Tax Planning and Compliance
Our in-depth knowledge of the tax code uniquely enables us to implement planning strategies that minimize taxes while working to achieve your goals. We partner with you on every major financial decision that you may make during the year and ensure your annual tax compliance accurately and timely reflects these decisions.

Estate and Insurance Planning We analyze your current estate planning documents, understand your intentions and collaborate with your attorney on recommended revisions. We are skilled in sophisticated estate tax minimization techniques and assist in the implementation and maintenance of such strategies as family limited partnerships, grantor retained annuity trusts, charitable remainder trusts, qualified personal residence trusts and intentionally defective grantor trusts. Additionally, we review life insurance policies and collaborate with your agent to ensure you have the best program for your situation.

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