In a world dominated by the news of how the market did (or didn’t) perform on any given day, it is easy to lose sight of the forest through the trees. For most of our clients, investing is a means to an end, the culmination of a lifetime of saving to achieve a personal or familial goal.

It’s our job to help our clients define those goals in greater detail including timing and financial specificity as well.

Financial planning is the necessary, yet often overlooked, blocking and tackling of one’s holistic financial well-being. It is during these conversations and problem-solving sessions that we can dive deeper into our client’s wants and needs and where we accomplish some of our most customizable and creative work.

Executive Services

Executive Services

We understand the value of your time. Our team of experts will coordinate the various complexities of your financial life to provide you with a turn-key and efficient solution so you can enjoy your valued time with those you love. Our Executive Services include:

  • Coordination with other professionals. We want to be your first call! Your dedicated portfolio management and financial planning team will work closely with your tax, legal, banking, and insurance professionals to make sure all aspects of your financial life are working in sync with one another.
  • Concentrated stock or option holdings. Are you invested heavily in your company’s stock? We can help you understand the tax strategies, risk exposure, and holding requirements associated with divesting of your company stock. Additionally, our planners will review how this impacts your broader financial planning needs.
  • Legacy planning. We will help you efficiently transfer your wealth to those people or charitable organizations you care most about while doing so in a tax-efficient and prudent manner.
  • Complex compensation and benefit plans. FBB will help you navigate your deferred compensation, restricted stock, incentive stock options, qualified stock options, pension plan, and 401(k) in order to leverage the options available to you.
  • Business succession. Have you created an exit plan to divest of your business, transfer it to your heirs, or have you created an environment for those within your business to buy you out? Our team of professionals can help guide you through this process.
  • Financial planning for business owners. Our team of planners will take all the various elements of your financial life and make sure they are in sync with one another.
  • Customization. FBB will work to draft and execute strategies tailored to your specific risk management, investment, and liquidity objectives.

Retirement Planning

Retirement planning is one of the most important and daunting exercises for most people. At FBB Capital Partners, we specialize in simplifying and demystifying this often-overwhelming process. We take a holistic approach to retirement planning and will address all aspects ranging from the most suitable investments to the timing of your Social Security benefits.

FBB will assist you in developing a plan now and monitor it with you along the way to ensure you are on the correct path to achieve your financial independence. This isn’t your parents’ retirement plan—this is your next act and we want it to be the best one yet!

Retirement Planning
Estate, Trust, and Legacy Planning

Estate, Trust, and Legacy Planning

FBB is of the belief that estate planning is not just for the rich and famous. At each stage of life, your needs and desires may change.

Our team will help you shape your goals and objectives while working with your estate attorney to assist you throughout the planning process. As your advocate and liaison, we will ensure your estate plan, trusts, investments, and accounts are aligned with these goals.

In addition to mitigating the impact of estate taxes, you may wish to revisit or formulate a plan in order to preserve privacy, achieve a swift and orderly distribution of assets, leave a legacy through charitable giving, care for a loved one with special needs, establish education funds for grandchildren, or even assign a guardian for young children.

The “next level” of estate planning often includes Fiduciary Trust Services. FBB will help clients identify and choose appropriate independent and corporate trustees should their situation merit this type of independence and oversight.

Tax Efficiency and Planning

In a world of uncertain intermediate and longer-term tax rates, wise investors are always giving due consideration to the potential tax impact on portfolio maneuvering.  At FBB we are mindful of each of our client’s tax situations and how strategies like tax loss harvesting, low turnover, and Qualified Charitable Distributions can affect a client’s annual return. Additionally, we work with clients and their accountants on an ongoing basis to map out applicable strategies that may be employed for the client’s benefit.

Tax Efficiency and Planning
Risk Management

Risk Management

At FBB we address the risks clients face throughout their lifetime—from health insurance to long-term care coverage. Although the landscape is ever-changing, we specifically identify how to address these challenges when planning for each phase of a client’s financial life. Insurance can be overwhelming and scary. Our clients tell us that having their FBB team as their advocate helping them navigate the process and options helps alleviate stress and increases their confidence that they are properly protected.

Charitable Giving and Planning

Many of our clients are charitably inclined. Understanding the most tax efficient way to honor your charitable commitments and how these gifts impact the other aspects of your financial plan is paramount to maximizing the benefit to you and the charity. In most cases, this leads us to the following message for our clients—STOP Writing Checks!

Whether a bequest, a Qualified Charitable Distribution from a retirement account, or a gift to a Donor Advised Fund, your FBB team will work with you and your tax professional to determine which method or combination of them is most appropriate for your situation.

Charitable Giving and Planning
Social Security Analysis

Social Security Analysis

For many of FBB’s clients, their Social Security benefits are the only form of “guaranteed pension” they will receive during their retirement years. Understanding what these benefit amounts are for the household and how they can vary based on different filing dates and strategies can have a significant long-term impact on the amount collected over the course of one’s (or a couple’s) retirement.

We work with each client to determine the need for cash flow during early retirement versus later years and weigh that against a client’s longevity. Equipped with the correct inputs, we can help clients make an educated decision—rather than a guess—when it comes to this extremely important retirement benefit.

Elder Care Planning

Your team at FBB is a group of planning experts who will assist you in preserving and protecting your assets against the rising costs of long-term care and nursing home expenses while navigating you through the intricacies of elder planning resources. You want to age well knowing your resources will allow you to live gracefully in the manner you desire. We work with elders and their families to improve their quality of life and help to provide peace of mind. We accomplish this by listening to the needs and concerns of elders and their families and then build a plan to help them through this phase of their life.

Elder Care Planning
Education Planning

Education Planning

You value education and the benefits it can have on one’s future. While you recognize this will be a significant expense, you may not have a comprehensive plan of how to accomplish this goal. FBB’s experts will help you to determine the anticipated cost and structure a plan to save in the most tax efficient manner possible to address the rapidly increasing cost of education.

We will help ensure those you cherish will get the education they need to chart a path for their future.

FBB will help to:

  • Assess education funding timelines and needs
  • Estimate the current and future projected education costs
  • Determine the amount you wish to fund
  • Consult on funding and disbursement strategies
  • Review 529 Plan options

get in touch

CONTACT INFO

BETHESDA, MD
EASTON, MD

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