We provide services to help clients navigate challenging market environments and life transitions.
Take a look at our services.
Client Engagement >
Financial Planning >
Total One >
Estate Planning / Philanthropic Strategies >
Divorce Planning and Education >
Life Insurance >
Property and Casualty >
Direct >
Client Engagement
As a client of InterOcean Capital, here’s what you can expect.
*Not all clients require each step in the process.
Introduction
We listen diligently to gain an understanding of your financial goals and objectives. The meeting also gives you the opportunity to learn about the company, the services provided and the team.
Portfolio Analysis and Asset Allocation
The portfolio management team, within the context of prevailing market conditions, will generate an asset allocation analysis. The analysis allows you to review the risk and return characteristics of your current asset mix versus alternative allocations.
Financial Plan
If applicable, we will present a long-term financial plan to evaluate how current and prospective financial decisions impact the accumulation of assets required to meet your financial goals and estate objectives.
Launch Call
The Launch Call is the official start of our relationship. The portfolio management team will review the execution plan for the selected asset allocation. We may also introduce additional members of the team.
Financial Planning
Finances are complex. Economic and market conditions are always changing. Life Transitions happen. Reaching your financial goals requires more than just managing your investments.
The Planning Process
Our portfolio management team will review your current financial position and help set goals. Our team uses technology and industry insight to create a plan to fit your unique needs.
Customization & Proactive Planning
Dynamic cash flow planning incorporates savings and spending from any source, capital events (e.g., buying / selling a business, a home, a boat, a plane, or any other asset), estate planning strategies and any other activity that uses or creates cash. Sensitivity analysis around savings / spending, retirement dates, capital events, healthcare costs, or any life event can be modeled. Whether the engagement is straightforward or complex, the same principles are employed to test the economic feasibility of the plan. Together, we can make proactive decisions during your planning horizon and evaluate their impact via updates to the model.
Clients recognize the value of integrated, independent, and objective advice. Servicing all your financial needs separately can result in an array of expensive relationships and confusion.
Our solution is Total One: your Total financial needs covered by One team of advisors working for you.
What is Total One?
Total One is a service that bundles the tax preparation services of an accounting firm and the investment management services of InterOcean Capital under one fee.
Tax Preparation
Total One will take the stress out of tax season. You will enjoy the benefit of gathering fewer documents at tax time. Your service team will assist with the collection and submission of your tax documents.
CPAs stay up to date on current tax issues. They will keep you informed of changes so you can get the most out of your money. You will have access to accredited CPAs and specialists dedicated to providing tax compliance services and general tax advice.
Estate Planning / Philanthropic Strategies
Our team can coordinate with your estate attorneys and tax team to ensure that estate planning, charitable objectives and investment strategy are aligned.
Multigenerational plans may include Family Corporations, Spousal Lifetime Access Trusts (“SLAT”), Grantor Retained Annuity Trusts (“GRAT”), Irrevocable Trusts, Generation Skipping Trusts (“GST”), Irrevocable Life Insurance Trusts (“ILIT”), and other planning techniques. Multigenerational plans may also benefit from an education component, especially for subsequent generations.
Charitable aspects of the plan may include Charitable Remainder Trusts, Charitable Gift Annuities, Private Foundations, and Donor Advised Funds.
Finally, we may incorporate estate planning vehicles into the broader financial plan to provide clarity for the client, the estate attorney, and the accountant.
Divorce Planning and Education
The legal and financial aspects of divorce can be complex. For most couples, divorce requires both parties to hire attorneys to navigate the legal system. While attorneys handle the legal issues, a Certified Divorce Financial Analyst, CDFA, is an essential part of your divorce team.
We Can Help
Working collaboratively with attorneys and mediators
Examining the financial impact of settlement proposals
Helping you understand the tax consequences of the agreement
Preparing a post-divorce budget and financial plan
Life insurance is an important part of any comprehensive wealth management strategy. The right combination of life insurance can protect your loved ones, business, and lifestyle. Our team helps create solutions for you, providing recommendations after reviewing your existing policies.
Identifying Your Needs
Does your current life insurance provide the coverage you need?
Is there a better policy fit?
What is the best option to secure effective coverage?
Property and Casualty
Our team can review your current home, auto and business insurance and recommend changes if necessary.
Homeowners Insurance
Provides coverage to your home and personal property in case of damage or loss and provides protection against certain accidents.
Auto Insurance
If you drive a car on public roads, you are required to carry auto insurance. Whether you opt for a state’s minimum requirement or want full coverage, your auto insurance protects your financial health.
Business Insurance
Workers’ compensation, professional liability and cyber coverage are a few examples of policies you can put into place to protect your business. Choosing the right business insurance ensures there are no lapses in coverage or risks that could damage your business.
Umbrella Insurance
Umbrella insurance works to protect your assets, ensuring that you have the correct underlying limits on your home and auto policies.
Direct
What is Direct Investing?
Your life is busy. Finding time to spend on managing your finances isn’t always your top priority. That’s where InterOcean Capital Direct comes in. Our Direct Investing platform provides an easy way to manage your assets in one place.
InterOcean Direct provides you access to model portfolios. There are no commissions, transfer fees, or rebalancing charges. These items are covered by the program pricing.
If you have questions don’t hesitate to contact us.
