Tax Planning

By employing tax planning strategies, you can have more money to save and invest, as well as to compound your wealth over time. Effective tax planning includes deferring income, increasing and accelerating tax deductions and credits, and generally taking full advantage of all tax breaks under federal and state laws. Although we do not recommend clients being solely driven to avoid taxes or, to put it another way, “allowing the tax tail to wag the investment dog,” tax considerations should always be balanced with respect to their economic impact, not just their tax impact. SCA will work with your tax professional to make sure tax consideration are part of your overall financial plan.*

*SCA does not offer tax or legal advice; please consult your tax professional or estate attorney for tax and estate matters.

Estate Planning

Regardless of how much wealth they have accumulated, almost everyone could benefit from creating an estate plan. In fact, without even realizing it, most people have attempted to create an estate plan by naming beneficiaries or titling certain accounts in a specific manner. Despite this effort, will this be enough to ensure your assets will be distributed according to your wishes?

There are several benefits to consider in setting up your estate plan:

  • Maintain control over the distribution of assets upon your death
  • Help reduce or possibly eliminate estate taxes
  • Preserve an estate for the benefit of heirs
  • Protect your privacy and avoid the potentially significant cost of having to go through probate court
  • Name an individual or entity to act as trustee and to manage estate assets
  • Designate someone to act on your behalf, should you become incapacitated
  • Provide for payment of estate taxes and help beneficiaries cover immediate and future needs*

*SCA does not offer tax or legal advice; please consult your tax professional or estate attorney for tax and estate matters.

Portfolio Management

Portfolio management is centered on a deep understanding of client needs, both short- and long-term, and then creating an investment strategy that gives clients the best chance of attaining their goals. Only after understanding our clients' true financial objectives, goals, and desires, can we begin to invest client capital.

SCA builds and manages global strategic and tactical portfolios across client risk, return, and time horizon objectives. All portfolios adhere to pre-defined risk-management guidelines to help preserve capital during difficult market environments. Sustaining deep losses in client portfolios can have devastating consequences that may impair a clients' ability to achieve his or her financial goals.**

The Arithmetic of Portfolio Losses

If you are retired or saving for retirement in the not-too-distant future, you can easily get a knot in your stomach when you look at the basic math of downside portfolio protection.

By example, when you lose 50% on an investment, you must make 100% the next trip to the plate just to get back even. In this chart, you can see the value gains (blue bars) necessary to get back to even after any losses (black bars).

So for a 5% loss in one year, you would need to earn 5.3% the next year just to get back to even, and so on.