Wealth Management Through Life Stages
Wealth Accumulation - in the early stages of your career, we will discuss cash flow budgeting, emergency funding, review goals and large planned expenses. We will implement asset allocation and asset location strategies, including Roth IRAs vs. Traditional IRAs and options for your previous employer's 401(k) account. Received a large windfall of money? Let's talk about the best way to invest it.
Wealth Preservation - mid-to-late career professionals should start thinking more seriously about prospects for retirement. Discussions will center around risk management, tax planning strategies, potential Roth conversions, college planning and review of estate plans. Our goal will be to increase your net-worth over time and find ways to minimize your taxes now and through retirement.
Wealth Distribution - a distribution strategy is key at this stage in order to manage spending and taxes. A coordinated effort with other professionals such as CPAs, tax and estate attorneys will help alleviate the complexities of an evolving financial plan. At this stage, we will review your income sources and discuss social security, Medicare, and long-term care insurance.
Wealth Transfer - you did well. You worked hard and lived within your means. Now it's time to enjoy what you care about the most - spending time with family, traveling or taking up new hobbies. At this stage you may want to review your estate plans and consider gifting strategies, college planning for your grandchildren or charitable donations.
Our Fee-based Approach
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Mazuelos & Company offers wealth management that goes beyond portfolio management. Our services include retirement planning, tax planning, cash flow analysis, risk management, estate planning, among others.
We charge an annual fee based upon a percentage of the assets being managed. The agreed upon fee to be paid by the client will be clearly stated in the management agreement signed by the client and the firm. Fees are payable quarterly, in arrears, based on the daily average balance of the client's account.
|
Assets Under Management |
Annual Fee |
|---|---|
|
Under $1,000,000 |
1.25% |
|
$1,000,001 to $3,000,000 |
1.00% |
|
$3,000,001 to $5,000,000 |
0.60% |
|
Above $5,000,000 |
Negotiable |
Portfolio management fees are negotiable depending on factors such as the amount of assets under management, range of investments, and complexity of the client's financial circumstances, among others. At our discretion, we may combine the account values of family members to determine the applicable management fee. Combining account values may increase the asset total, which may result in you paying a reduced management fee based on breakpoints in our fee schedule.
Mazuelos & Company is a registered investment adviser based in Fort Lauderdale, Florida. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. The firm only conducts business in states where it is properly registered or is excluded from registration requirements. Additional information about Mazuelos & Company, LLC is available on the SEC's website at www.adviserinfo.sec.gov - our firm's unique CRD number is 316534. A copy of our firm's Part 2 Brochure can be found here. This website is a publication of Mazuelos & Company, LLC. The firm is not engaged in the practice of law or accounting. Always consult an attorney or tax professional regarding specific legal and tax situations. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. All investment strategies have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor's portfolio. There are no assurances that a client's portfolio will match or exceed any particular benchmark. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.