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The LUX 4D Planning Process

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Imagine your future without limitations.

  • What would your life look like?
  • What are your biggest goals and deepest aspirations?

Our team crafts your fully customized plan and stress tests potential pitfalls.

We examine all scenarios to create an optimized strategy built to stand the test of time.

With opportunities identified and risks exposed, we create a roadmap to ensure you're maximizing your wealth, and protecting what you've worked hard to achieve.

Our team works collaboratively as your accountability partner to manage results. We will adjust your plan as your priorities shift and your dreams become larger than you ever thought possible.

Imagine your future without limitations.

  • What would your life look like?
  • What are your biggest goals and deepest aspirations?

Our team crafts your fully customized plan and stress tests potential pitfalls.

We examine all scenarios to create an optimized strategy built to stand the test of time.

With opportunities identified and risks exposed, we create a roadmap to ensure you're maximizing your wealth, and protecting what you've worked hard to achieve.

Our team works collaboratively as your accountability partner to manage results. We will adjust your plan as your priorities shift and your dreams become larger than you ever thought possible.

WHAT TO EXPECT

Tailored for entrepreneurs and seasoned professionals, our multi-family office offers
comprehensive personal financial planning, business planning, investment analysis
(including employer stock), tax efficiency strategies, and legacy planning (vision, values,
and estate.)

PLANNING COMPONENTS

EXECUTIVE SUMMARY

Provide members with a comprehensive view of their financial situation, including assets, liabilities, cash flow, and investment performance, to help them make informed decisions and work towards achieving their financial goals.

PROTECTION PLANNING

Help safeguard members’ financial wellness against various risks and uncertainties by considering insurance needs, estate planning strategies, and other tactics to proactively manage risk and secure a successful financial future.

ASSET & LIABILITY MANAGEMENT

Manage members’ assets and liabilities by assessing their current financial standing, evaluating potential risks, and developing strategies and recommendations for optimized asset allocation, debt management, and protection.

CASHFLOW PLANNING

Guide cash flow management by creating budgets, optimizing income, managing debt, creating emergency funds, planning for tax implications, and making regular adjustments to their overall financial plan to align with overall goals.

TAX EFFICIENT STRATEGIES

Mitigate tax implications by making informed recommendations on strategic asset placement, choosing tax-efficient investments, timing asset sales, and advising in areas such as charitable giving, estate planning, and optimized withdrawal strategies.

INVESTMENT AUDIT

Perform investment audits to review members’ existing portfolios, evaluate alignment with financial goals, and continually identify opportunities for adjustments and improvement.

ESTATE PLANNING

Ensure estate plans align with members’ short and long-term goals by assessing assets, recommending the implementation of tools such as a will or trust, minimizing tax implications, and providing continuity in asset management.

COMPANY STOCK PLANNING

Aid members with company stock planning by evaluating risks, suggesting diversification methods, providing tax advice, guiding stock option decisions, and facilitating wealth transfer strategies.

BUSINESS PLANNING

Optimize business planning by offering strategic guidance on risk management, tax planning, employee benefits, business valuation, and exit strategies to minimize challenges and help members achieve long-term success.