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We are dedicated to building meaningful long-term relationships with you and your family. Our consultants and relationship managers provide personalized attention in a family-friendly environment that giant banks and Wall-Street firms simply can’t match. Our experienced and responsive staff works diligently to ensure every detail is handled properly. Our business is built to serve you.
Throughout our more than 5-year history, we have helped clients navigate the complexities of modern finance. We recognize the importance of listening carefully to understand each client’s unique situation and to help define and move toward financial and life goals. We specialize in comprehensive financial planning and careful investment management tailored to you.
Our clients benefit from all the expertise of our team of professionals working together to provide insights and guidance. This combined breadth and depth of knowledge lets us simplify the complex, address uncertainty, and chart the best course for you and your family. We combine considerable experience with a commitment to continuing education and research.
Partnering with our business owners and executives, we build lasting investment portfolios by drawing on the vast expertise of our team as well as institutional-caliber portfolio and risk analytics. Each person has unique needs, challenges, wants, and desires. We co-create portfolios with you by taking all facets of your life into account. 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:
Insurance Review: If you already have insurance, your Sinhoi team can review your current policies for red flags related to your risk exposure. If insurance is needed, we, in conjunction with your insurance advisor, can help you understand what type of protection may be appropriate for you and your business.
Corporate Benefits Review: Having reviewed many benefit packages for clients in the past, your Sinhoi team has the experience needed to understand and explain even the most complex situations and answer any questions that may arise.
Succession & Estate Planning: Partnering with you and your attorney, Your Sinhoi team will develop an exit planning strategy that complements your succession wishes and overall financial plan.
Charitable and Intra-Family Gifting: If you are charitably inclined or interested in passing wealth to your loved ones, your Sinhoi team can help facilitate the most efficient ways for you or your business to gift to the individuals, organizations, and communities that you cherish.
Retirement Planning & Projections: Your Sinhoi team will help you define and prioritize your retirement goals as well as address the array of saving vehicles that may be available to you. Once goals are established, we can run projections and talk through the tradeoffs that come with adjusting key variables. These variables include, but are not limited to, retirement age, expected annual spending, and current savings rates.
Concentrated Stock & Diversified Portfolio Management: Many executives and business owners have company stock or business assets that make up a large portion of their net worth. If this is the case for you, your Sinhoi Team will be sure to manage your Sinhoi portfolio in such a way that creates an overall portfolio allocation that matches your risk tolerance.
Your wealth that’s concentrated in a single asset is both a blessing and a curse. Sinhoi’s considerable expertise and experience can help you preserve and grow your wealth through concentration management strategies such as:
Gifts to Family: Our clients often enjoy seeing their wealth passed on to the next generation and concentrated positions create an opportunity to accelerate that transfer of wealth. We can help you brainstorm ways to execute these gifts, either outright, in trust, through family limited partnerships, or other transfer methods.
Gifts to Charity: If you feel strongly about leaving a charitable legacy, utilizing highly appreciated or concentrated holdings can be a powerful way to fund this goal. We can facilitate intra-life transfers to donor-advised funds, private foundations, charitable trusts, or directly to your favorite charities.
Disciplined Divestiture: Over time, business owners and executives accumulate concentrated wealth by nature of their position. For those who want to manage their portfolio risk in a more traditional way, we implement tax-conscious diversification plans while coordinating with any deferred compensation and observing trading restrictions when necessary.
Derivative Strategies: If you feel strongly about maintaining your exposure to a specific company, we can design an investment plan to offset the corresponding risk associated with your position. The use of derivatives, such as buying put options or selling call options, can be an effective way to achieve a lower level of portfolio risk while leaving your holdings intact.
The retirement plan landscape is changing rapidly; you deserve a partner who will be with you for the long run. We take a refreshing approach to consulting. Our independence as a Registered Investment Advisor allows us to remove the inherent conflicts of interest that exist at the large banks and insurance firms. Our fiduciary practice and mind-set seats us on the same side of the table as you and your employees. We combine practical advice and institutional-calibre tools with industry best practices to improve your employee outcomes and protect you, the plan sponsor from the ever changing environment. Our services include:
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