What We Do
Multigenerational wealth consists of two fundamental components: Cash flow to maintain lifestyle and accumulated assets which, when properly managed, secure the family legacy. FUTR’s holistic and integrated approach addresses both components.
In meeting these goals, FUTR operates on a fully transparent open architecture investment platform, giving us the flexibility to tailor a suitable investment plan for each client. Our reporting and servicing arrangements are customized to individual requirements.
Our investment philosophy is to grow capital and increase cash flow as necessary at low tax and interest costs after inflation; we manage portfolio risk in a prudent manner so that clients may conservatively preserve their lifestyles.
Please examine FUTR’s scope of services:
Our aim is high: To conservatively manage family wealth and unite family members in the pursuit of their dreams for generations to come.
Custodial Safekeeping
Custody is the most important factor for asset protection. The custodian holds and protects securities, provides monthly statements and account valuations, current and historical. The custodian preserves and protects the chain of asset ownership. Separating the custodian from the investment advisor defends against unauthorized use of your assets. The custodian also prevents conflict of interest for any party. FUTR's custodian has been preserving and protecting client assets since 1849.
Financial Planning
Financial planning is a comprehensive process that begins by examining your family's current lifestyle and its hopes for a legacy. We then design a plan to unify the two goals. The process involves proven statistical methods, e.g., Monte Carlo simulation, to test the probability for success. Financial plans are realistic blueprints that keep families on their desired financial track.
Retirement Planning
Retirement planning entails developing the necessary assets and resources for utilization after earning years. It reconciles current net worth and lifestyle in a workable plan that facilitates accomplishing retirement goals.
Liability Matching
Liability matching means having the available cash to pay bills and expected liabilities. The source of this cash is an important consideration for tax and interest costs. The key to successful liability matching is to harmonize the spending goal with the cost of taxes and interest of the cash source. Other considerations include insurance (asset protection), loans, and asset transfers.
Investment Solutions
Investment solutions start with your time horizon. Combining this with expectations for return, taxes, investment preferences and risk forms the backbone of an effective investment plan. That plan is used to reduce estate tax, develop human capital, and prepare a successful implementation of a family legacy. A formal document called an Investment Policy Statement is your ongoing guide and benchmark to track investments and to allow for mid-course corrections.
Succession Planning
Similar to a well-run business, a family succession plan enables the orderly transfer of leadership and responsibility to the next generation. The plan delineates the development of family capabilities and team building to encourage the next generation to assume the stewardship roles.
Philanthropic Services
A family's core values are transferred to the community as its legacy. Lifestyle cash flows are generated through charitable remainder trusts, charitable gift annuities and charitable pooled income funds. Family legacies can be promoted through charitable lead trusts, family foundations and endowments.
