Our objectives are to help entrepreneurs manage their risk, and through careful financial planning help these folks achieve the goals that they have in life.  While we are a financial planning firm, with the expertise of our staff and other tools that we have at our disposal, such Financial Security Products like life Insurance and Annuities we can take a more holistic and comprehensive approach to our clients’ plans.  I like to say that we avoid “silo-ing,” which is common in our industry.  We’re very adept at working with whichever partners the business owner already has, and adding value to those relationships.  Silver Transitions traces its roots back to 1937 – our longevity speaks to our success in helping our clients get where they want to get to.

Mainly business owners.  These are people with whom we help identify and we are uniquely qualified to assess the various risks and opportunities that occur for them over time.  Our goal is identify what they are trying to accomplish now and in the future, the key objectives that they have in life, so that we can map out a plan to get them there.

I should also mention that we do work with clients who already have wealth managers or estate planners – our function, in many cases, complements these other partners.  Also, our clients do not need high net worth to benefit from what we do.

Typically, we work with individuals 50 to 75 years old, but that is trending downward.  We are increasingly taking on younger clients, especially in this city where you find tech company owners who are running businesses and amassing wealth at a younger age.  As relates to your business, Aviva In-Home Care, we also help our older clients manage their health concerns from a cost perspective.  In other words, we help to make sure that they set up properly from a financing perspective to fund the lifestyle they want or the health challenges they may face in the future.

Our analysis starts with cash flow projections and a thorough discussion of the client’s goals.  Then, based on our many years of experience, we project cash flows 30 years out, taking into account each persons risk profile, and understanding that what is right for employees may not be right for entrepreneurs. The approach works well.

We leverage many different “tools” to benefit each client depending on need – this could include long term care insurance, and estate planning vehicles to enable creditor protection.  For example, we work closely with Estate Planning Attorneys to create Creditor Protection Trusts – and IRS protection trusts.

Few planners can draw on the kind of back office resources that we have available at Silver Transitions.  Lawyers, CPAs, Financial Planners, and perhaps most importantly, the ordinary folks who provide day to day implementation and customer service.

Very easily – my email is rsklar@silvertransition.com , phone (415) 839-9640, and the firm’s website is www.silvertransition.com.  I really enjoy engaging with anyone who thinks they may value from a relationship with a financial planning professional, and am happy to share my perspectives on what they might achieve.