YFE™ Retirement Solutions are of special interest to business owners, medical practitioners and legal professionals due to our use of patented and proprietary methodologies combined with conservative and traditional financial products that give our clients access to wealth creation opportunitiesto not available to others.
If you think retirement planning is all about 401k's and Roth IRA's, you may be missing out on other retirement strategies that may provide you with a larger nest egg in retirement with less risk. Our comprehensive offering of sound retirement planning guidance and solutions can help you make the right decisions about your retirement savings.
Our core strengths are:
-
Tax Reduction: Providing expert guidance on 401k and IRA Roth conversions and other tax deferred and tax free options available to reduce your tax liability and increase your spendable income in retirement.
-
College Funding: Using a proprietary wealth creation program designed to identify and establish personal financial strategies that are unique to your situation that can pay a minimum of $50,000 to the full cost of a four year college education based on the use of arbitrage, special incentives offered directly from colleges and universities and little known tax incentives hidden in the IRS tax code.
-
Risk Mitigation: Minimizing risk in your retirement portfolio while insuring a good return on investment, safety and peace of mind. We also can provide superior asset protection guidance and solutions against lawsuits and divorce.
-
Charitable Giving: Providing expert guidance on a patent pending wealth creation strategy that allows you to give an immediate donation to your favorite charity or nonprofit at no net cost to you! This is a true win-win situation for our clients with charitable intent and the charities they support. Our Charitable Giving Advisory Services are available in all fifty states including the District of Columbia.
Many of the services we offer use patented and proprietary methodologies combined with conservative and traditional financial products to give our clients access to wealth creation opportunities based on leverage ("the use of other people's money") and arbitrage ("the practice of taking advantage of a price difference between two or more markets), while minimizing risk in your retirement portfolio. All of our services are designed to be cost effective and tax efficient. To learn how we may be able to help you achieve your financial goals, give us a call at 630-847-8371.
Alternatively, we may recommend and you may choose advisory services that focus on a specific area
such as college funding, portfolio second opinions, or evaluating the quality and sufficiency of a
retirement plan. For example, some specific projects for which a client might engage us include:
• College funding - While a comprehensive plan includes recommendations as to how to save for
college and whether your family is likely to be eligible for college financial aid, we may also take
an in-depth look at how to maximize eligibility for aid, or business and tax strategies designed to
reduce out-of-pocket costs and improve cash flow to pay for college. This planning may include
an estimation of the level of aid or merit awards the child is likely to secure, direction and
guidance on filling out aid applications and advice on managing the application process.
Depending on the complexity of your financial picture, whether you are a candidate for aid, the
nearness of the college application process, and whether you need guidance with filling out
applications, this in-depth service can take two and a half (2.5) hours to six (6) hours as a standalone
report and analysis.
• Portfolio second opinion - You may have accumulated a variety of investments over a period of
time, but either do not understand the purpose of a specific investment, may no longer be
confident that the investment or allocation is correct for your financial situation, may be seeking a
different level of risk or return, or may be looking to simplify the management of your portfolio. We
may review your current investments with regard to appropriate asset allocation (mix between
equities, fixed income, and alternative investments), asset location (taxable vs. tax advantaged),
and quality. Depending on the complexity of the portfolio, this service will take approximately
three (3) to six (6) hours.
• Retirement planning and review - We may provide: A projection of retirement income based on
current investments; suggest adjustments to your current portfolio to improve the return on
investment; reduce risk to appropriate levels; and aim for tax efficiencies. We may help you map
out a future savings strategy or withdrawal plan, as appropriate. We may run a Monte Carlo
simulation, which is designed to run hundreds of simulations to illustrate worst case/best case
results of the retirement plan. This plan will take approximately three (3) to six (6) hours.
• Small Business Retirement Plans - We may assists small business owners and professionals in
establishing employer or employee retirement plans. Specific tasks include: Screening for the
appropriate type of plan; evaluating administrators; identifying and comparing all costs;
developing criteria for and menus of investment choices; establishing and implementing the plan;
and providing employee education. This plan will take approximately three (3) to six (6) hours.
• Insurance and employee benefits review - We may evaluate the proper types of insurance in
place for both coverage and tax efficiency. Should you seek additional private coverage beyond
what is provided by the employer? If you have a 401(k) plan available at work, we may also help
you sort through the options for investment, suggesting appropriate selections and allocations.
This plan will take approximately two (2) to five (5) hours.
• Debt management and spending plans - We may give you assistance in developing a reasonable
spending plan and roadmap for paying off debt. While we do not negotiate with creditors, we can
assist you in developing a strategy to achieve sound future financial management. We may also
be able project the length of time it will take until you achieve your goals. This plan will take
approximately two (2) to five (5) hours.
Disclosure Brochure – Page 10
• Charitable Giving - We may assist you in assessing and determining the size and type of
charitable gift to set up; a charitable remainder annuity trust (CRAT); a charitable remainder
unitrust (CRUT); a pooled income fund; a charitable lead trust; long-term and/or short-term
charitable giving strategies. We may review, as appropriate, estate tax; asset protection plans;
generational giving; and the dynamics of leaving a monetary legacy as well as a value-based
legacy to heirs and the people and organizations you care about. This plan will take
approximately two (2) to five (5) hours.
• Annual review - We urge clients to notify us of any change in their circumstances, and to
schedule an annual review. An annual review should be considered even if there is not a
substantial change, because tax laws, estate laws, and insurance and investment products are
rapidly evolving. A review or update of a financial plan takes approximately one (1) to three (3)
hours. We recommend periodic reviews of any financial plan to adjust recommendations and for
validation of your current financial situation. It is the client’s responsibility to schedule these follow
up meeting.
During the execution of an agreed upon scope of work additional factors may be discovered that could
add to or take away from the original work agreed upon to be completed. This will be reason to generate
a newly revised quote for the total job. A summary of the revised work scope and reasons for addressing
or not addressing the work will be presented to the client for approval before the modified work scope is
executed. YFE will always use its best judgment and good faith efforts in rendering investment advice for
our clients.
YFE also charges a $250 fixed fee for initial consultations and planning consultations of an immediate
nature or any major life event, such as, death, divorce, accident, serious illness, etc. Fixed fee
consultations may be scheduled for one (1) to two (2) hours or more per consultation. This fixed fee may
be waived at our discretion and YFE reserves the right to be the sole determinant of what qualifies for a
fixed fee consultation, as well as, the amount of time scheduled over one hour. At all times, clients may
engage YFE on an hourly as needed basis for any issues or concerns.
Selection Of Other Investment Advisers
YFE has reasonable belief that most clients would benefit from professional money management. Based
on consultations with you, we may recommend the benefits of professional money management advisory
services. If you accept our recommendation for professional money management, we may select and
monitor money managers registered in the State of Illinois on your behalf. When we do so, the money
managers pay us a portion of the fees generated by the referred clients. Through these arrangements, we
are paid a referral fee by money managers based upon a percentage of Assets Under Management
(AUM), or in other words, "the amount of money being managed by the money manager." You are under
no obligation to follow the recommendations of YFE. The referral of clients to third-party money managers
does not increase the amount of advisory fees paid by you to the money manager. In other words,
advisory fees paid by you to third-party money managers are not increased as a result of fees paid to
YFE for the referral.
A major benefit that YFE offers clients is access to institutional money managers. The selection of
institutional money managers is our core business. As such, YFE actively seeks out prospective clients
that may benefit from the services of institutional money managers through the Eqis Capital Wrap Fee
Program sponsored by Eqis Capital Management, Inc., an SEC registered investment adviser.
Throughout this brochure, Eqis Capital Management, Inc. (Eqis), affiliated Model Portfolio Managers, and
non-affiliated Model Portfolio Managers are commonly referred to as “third-party money managers."
