Individuals

FourStar Wealth Advisors offers the following services for Comprehensive Wealth Management:

ASSET PROTECTION PLANNING

FINANCIAL PLANNING

INVESTMENT PLANNING

RETIREMENT PLANNING

WEALTH PLANNING

CAPITAL NEEDS AND DISABILITY ANALYSIS

  •  Life Insurance
  •  Disability Insurance

PROPERTY/CASUALTY AND SPECIAL INSURANCE

  •  Umbrella Liability
  •  Directors and Officers
  •  Employee Practices Liability Insurance (EPLI)

EXEMPT ASSETS AND ENTITIES USAGE

  •  State Exempt Assets
  •  LLCs
  •  FLPs

TRUSTS

  •  Spendthrift Provisions
  •  Domestic Asset Protection Trusts

GOALS ANALYSIS

  • Needs, Wants, Wishes
  • Evaluation of Alternatives
  • Probability Analysis
  • Monitoring Progress

BUDGETING AND CASH FLOW

  • Budget Evaluation
  • Cash Flow Management
  • Saving Strategies for
    • Education
    • Retirement

DEBT ANALYSIS

  • Borrowing Needs
  • Secured vs. Unsecured
  • Buy vs. Lease / Rent

SPECIAL CIRCUMSTANCES

  • Marriage / Divorce
  • Disability / Illness
  • Non-Traditional Families
  • Job Change and Job Loss
  • Dependents with Special Needs

ECONOMICS AND BUSINESS CYCLES

  • Fiscal Policy
  • Monetary Policy
  • Economic Indicators
  • Business Cycles
  • Inflation, Deflation, Stagflation

ASSET ALLOCATION

  • Risk Tolerance
  • Strategic and Tactical
  • Active and Passive
  • Rebalancing

INVESTMENT SELECTION

  • Portfolio Construction
  • Manager Selection
  • Discretionary vs. Non-Discretionary
  • Performance Reviews

TAX EFFICIENT INVESTING

  • Taxable vs. Tax Free
  • Tax-loss Harvesting

LIFESTYLE REVIEW

  • Retirement Vision
  • Evaluating Needs, Wants, Wishes

RETIREMENT INCOME

  • Coordination of Fixed and Variable Sources of Income
  • IRA / 401(k) / 403(b)
  • Annuities
  • Effects of Longevity
  • Inflationary Risk

SOCIAL SECURITY AND PENSION ELECTION

  • Benefit Commencement Decision

HEALTHCARE

  • Healthcare Spending Accts.
  • Medicare
  • Long Term Care

WILLS AND LEGAL DOCUMENTS

  • Records Organization
  • Health Care POA
  • Living Will
  • Durable POA

LEGACY PLANNING GIFTING AND USES OF TRUSTS

  • Annual Gifting
  • Lifetime Gift Exemption
  • Revocable and Irrevocable Trusts
  • Testamentary Trusts
  • Grantor Trusts

FAMILY GOVERNANCE AND DYNAMICS

  • Protect the Wealth Plan
  • Family Mission Statement
  • Family Councils

CHARITABLE PLANNING

  • Charitable Trusts
  • Direct Bequests
  • Donor Advised Funds
  • Private Foundations