Benemark Services

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Our Services

The perception of success has radically changed over the past several years, and our approach is built on the philosophy that your wealth should not only be aligned with your financial goals, but also with your life, family, and community goals. Benemark’s Personal Investment Process uses a goal-driven investment system to offer you more than just traditional financial management. Our method integrates your financial resources with your vision of personal fulfillment, security and completeness.

The result is far from a one-dimensional, rigid financial solution, but rather a vital process in which your wealth becomes the foundation to service whatever goals you set for yourself. If you are looking to achieve overall financial wellness, we believe the best strategy is one that allows for multiple short- and long-term milestones that help support you along the way. It is an experience that is both transforming and affirming, and that’s what you can expect when working with Benemark.

INVESTMENT ADVISORY SERVICES

 
WHEN WORKING WITH INDIVIDUALS OR FAMILY RELATIONSHIPS, OUR INVESTMENT ADVISORY PROCESS ENCOMPASSES MANY DIFFERENT FACETS INCLUDING:

 

  • Organize and prioritize your investment goals
  • Outline risk level, income needs, and time horizon
  • Evaluate holdings, performance, and fee structure of existing portfolio
  • Develop appropriate asset allocation model tailored to meet your personal needs
  • Create a personalized Investment Policy Statement (IPS) reinforcing our mutual expectations
  • Provide quarterly reviews while monitoring cash flow requirements
  • Make adjustments to portfolio as necessary (i.e. rebalancing, repositioning, tax-loss harvesting, etc.)

COMPREHENSIVE FINANCIAL PLANNING

 
When developing a financial plan, we take each individual through a variety of steps to better understand their unique situation. These steps may include one or several areas of focus.

GENERAL FINANCIAL STATUS

  • Provide net worth statement
  • Develop budget and analyze cash flow requirements

EDUCATION PLANNING

  • Estimate future educational costs
  • Determine most appropriate methods to save for education

ESTATE PLANNING

  • Reviewing of estate planning documents along with your attorney (i.e. wills, living wills and medical directives, durable power of attorney, health care proxy, etc.)
  • Identifying title and ownership of personal property, and stated beneficiaries
  • Projecting estimated estate tax
  • Evaluate appropriate estate planning strategies and vehicles

RISK MANAGEMENT PLANNING

  • Life, disability and health insurance planning
  • Property and Casualty insurance review

EMPLOYEE BENEFITS

  • Review Stock Options
  • Evaluate available/active employee benefit options
  • Identify stated beneficiaries

INVESTMENT ANALYSIS AND PLANNING

  • Organize and prioritize investment goals
  • Outline risk level, income needs, and time horizon
  • Evaluate performance and cost of existing investment portfolio
  • Develop an appropriate asset allocation model

RETIREMENT PLANNING

  • Discuss retirement strategies
  • Review retirement plan and Social Security benefits
  • Identify current tax exposures
  • Analyze capital needs

TAXATION

  • Assess current tax strategies
  • Review tax compliance status (i.e. estimated taxes)
  • Provide year-end tax projections

SPECIAL NEEDS FINANCIAL PLANNING

  • Divorce/remarriage consideration
  • Adult dependent needs
  • Disabled child needs
  • Long Term Care insurance planning
  • Terminal illness planning
  • Closely held business planning
  • Charitable Planning

INVESTMENT ADVISORY SERVICES – FOR TRUSTEES

 
Work with an independent registered investment advisor to assist in the fiduciary responsibility of the Trustee’s investment accounts.

 

  • Our process begins with a custom fact-gathering session with each trustee to understand the goals of the trust relationship and any special considerations relating to the trust document.
  • Provide structured, cost-effective investment solutions tailored for each trust account.
  • Customize portfolio design – utilizing passive and active management strategies.
  • Portfolio Rebalancing – manual or automatic.
  • Develop Investment Policy Statements (IPS) reinforcing our mutual expectations for each trust account.
  • Provide customized reporting materials.