Services
For each individual or family, we design a custom suite of services that suits your specific agenda. By engaging in The Capital2 Clarification Profile prior to embarking on analysis or recommendations, we use your vision identified in the Profile as a filter for all future decisions.
We are fiduciaries: The Glowacki Group, LLC does not sell products and does not receive commission revenue for the sale of products. The Glowacki Group is a fiduciary and helps clients select products, if necessary, without receiving remuneration for the sale.
Financial Analysis
In planning, people often hear external observations regarding their financial stature: “Of course you have enough.” By whose standards? In contrast, all of the financial projections we show you are created using your numbers. We help you identify how much you need in every facet of life and lifestyle, now and into the future, making sure the projections feel real and solid. Then we use financial modeling to develop various financial life designs. When you have the opportunity to reference one scenario against another, decision making comes from a foundation of simplicity and confidence. When we arrive at a scenario that feels both real and correct, we use these projections as a reference for helping you make all future decisions.
Portfolio Design Management
Consumers face a daily barrage of information via television, radio, newspaper, Internet and financial trades. How do wise investors filter the latest fad from something that’s a great long-term fit for their situations?
Most people want to invest wisely for the long term and then not have to worry about it on a daily basis; however, they haven’t been able to really let go of it. One of the reasons is that few firms offer a single overall picture of their total investments, regardless of who is managing the assets.
We help individuals with a minimum of $2 million of liquid assets see all of their investments, IRAs, trust accounts, annuities and more in a single graphical overview. This also allows us to monitor investment performance of your total picture in relation to progress toward your broader intent for your wealth.
Estate Planning
Effective estate planning does not begin and end with legal documents. Sound documents are a crucial component, yet they are the second step in estate planning, the implementation. Step one involves both vision development and financial modeling. This is the only way to ensure that your legal documents represent your decisions with clarity and intent.
Because The Glowacki Group does not receive commissions, we can objectively help you evaluate whether life insurance makes sense in your plan. Lastly, because we help people work across all planning disciplines, we can help ensure that your estate planning coordinates with the other elements of planning.
Strategic Tax Planning
In tax planning, timing is everything. The farther you look ahead, the more you can save. We bring the future into the present while you can still do something about it. We do this by developing “what-if” spreadsheets that project your taxes, not just in the coming tax year, but five, ten or forty years out. The ability to look at the future through a lens of tax expertise and strategy provides tremendous opportunities for meaningful savings. For example, if you decide to gift $1 million to a particular charity, we can evaluate which year to execute the gift so that you receive the greatest possible deduction.
Risk Management
Most people think of risk management in terms of their investment decisions. However, risk management is far broader than that. Individuals and families are exposed to risk in many areas of their lives, such as premature death, medical issues, theft, natural disaster or a disability that prevents them from working. In these areas, risk management simply means that you can decide to assume these risks yourself, or you can pay an institution to assume them for you.
Perhaps you have the financial resources to pay for an emergency out of pocket. Or you may want to insure against future risk with a known payment in advance. Insurance can be a costly proposition, but it may help you sleep better at night. Our role is to work with you to evaluate risk retention or risk mitigation.
The Glowacki Group is not licensed to sell insurance products and does not receive remuneration for the sale of insurance products. We objectively evaluate your needs and, if necessary, we work with outside vendors to fill those needs.
Philanthropic Planning & Coaching
People who have a desire to give, or to give back, often stop short of doing so because they aren’t totally confident they have enough for their own lifetime needs. In addition, with so many social and political issues at hand in the world today, it can be difficult to pinpoint one’s personal giving strategy or passions.
Under the Capital Confidant philosophy, we ascertain financial independence and document it during the earlier phases of planning. With a clear picture of what you need and desire, and of the surplus resources that exist, you’re free to engage in philanthropy on a broader or more strategic basis. In this phase, we help you to identify areas you feel passionate about, or how you wish to make a difference, and then build a plan to support a formulated vision.
Family Office Services
When your wealth exceeds $10 million, your tolerance for administering the details associated with your wealth may conflict with the freedom you thought your financial independence would provide. Bombarded by information, opportunities and warnings, many families lack a framework for making important decisions with confidence.
This is also the level of wealth where more active coordination of and communication between various planning disciplines (tax, estate planning, investments, insurance and philanthropy) and the many advisors involved (CPA, attorney, insurance and investment professionals) result in the greatest impact to preserving and growing your wealth.
Family Office Services allow a family or individual to finally be freed from the burdens and complexities of managing substantial wealth. If a particular decision has the potential to impact your financial life and life agenda, we proactively evaluate and model that impact for you. We continually look forward to identifying what needs to be done so that you don’t have to wonder whether you’re doing enough.
Disclosure
This website is only intended for clients and interested investors residing in states and countries in which The Glowacki Group, LLC is qualified to conduct investment advisory services.
The Glowacki Group, LLC is an SEC registered investment advisor headquartered in Los Angeles, California. The firm may only transact business in those states and countries in which it is registered, or qualified for an exemption or exclusion from registration requirements. For non-clients of the firm, The Glowacki Group, LLC website is limited to the dissemination of general information pertaining to its investment advisory services. Please contact the firm at (310) 473-0100 to find out if we may conduct advisory business in the state or country where you reside.
The Glowacki Group, LLC does not render or offer to render personalized investment advice or financial planning advice through this medium. This medium is limited to the dissemination of general information on our services and provides a way for you to contact us. Advice can only be rendered after all of the following conditions are met:
- Delivery of our Form ADV Part 2 or the brochure equivalent to you.
- Execution of an Advisory Agreement between you and The Glowacki Group, LLC.
- Initial payment of an advisory fee by you to us.
Any subsequent, direct communication with a prospective client shall be conducted by a Glowacki Group, LLC representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.
Hyperlinks on this website point are provided as a convenience only, and we disclaim any responsibility for the accuracy of information on any on other website linked hereto.
