Our Clients

Our primary clients are Retirees, Private Company Shareholders, Private Companies, Business Owners and Divorcing Individuals.

Retirees: Our goal is to take care of your family the way you do

Will there be enough?

Whether you have accumulated $1 million or more than $50 million in investments, it is not unusual for retirees and soon-to-be retirees to wonder if you will outlive your money.

We prepare reports for our clients that show just where they stand by using easy to understand graphics. We develop, implement and monitor sound plans, and evaluate the anticipated impact of clients’ lifestyle changes.

Important Considerations for Retirees & Pre-Retirees


INVESTMENTS WILL ULTIMATELY DRIVE YOUR QUALITY OF LIFE.

How much risk are you currently taking with your investments?
How much risk do you need to take to achieve your goals?
What broad changes need to be made in target allocation to achieve your goals?
What portfolio changes need to occur?
Do you need additional savings?
Which accounts should hold which assets for tax efficiency?



WHO SHOULD OWN EACH ASSET?


IF YOU SHOULD HAVE A CATASTROPHIC LOSS, WOULD YOU BE FORCED TO LIQUIDATE INVESTMENT ASSETS?



DO YOU KNOW ALL OF THE WAYS TO MANAGE DEBT TO KEEP YOUR COST AS LOW AS POSSIBLE? IS DEBT APPROPRIATE IN YOUR ESTATE PLANNING STRATEGIES INVOLVING FAMILY?



DO YOU KNOW THE PROS AND CONS OF A 401(k) VS. IRA, ROTH OR OUTRIGHT DISTRIBUTION?

Some plans make stretch strategies available, reducing taxation; other plans offer enhanced protection from creditors. In some cases, special tax benefits exist.



WHAT IS THE OPTIMUM STRATEGY FOR EXERCISING YOUR STOCK OPTIONS GIVEN RESTRICTIONS, VESTING SCHEDULES FOR TAX IMPLICATIONS?



ARE YOU PREPARED FOR THE NEXT STAGE IN THE EVOLUTION OF YOUR BUSINESS?

Will you sell the business during your lifetime, or will you pass it on to the next generation?
What are the tax implications of each of your succession options? 
If you intend to transfer ownership of the business during your life, will you gift or sell the business to heirs, employees or a third party?
What is the business structure?
Do you have partners or key employees?



DO YOU HAVE A CURRENT, VALID AND DURABLE POWER OF ATTORNEY?



GIFTING TO CHILDREN

What is the optimal and desired timing?



CHARITABLE GIFTING

Have you determined the tax benefits and/or implications of gifting assets?



HAVE YOU NAMED AN EXECUTOR/TRUSTEE?

Is the trustee properly named in all current, appropriate documents?
Have you named successors in case a trustee cannot serve?



DISTRIBUTION OF YOUR WEALTH.

Are your wishes appropriately detailed/documented? 
Do you have a plan or strategy for your spouse should he or she outlive you?
Do you have special family considerations?



SECURE ACCESS TO PERSONAL DOCUMENTS AND INFORMATION.

Are your documents available to you instantly from anywhere when you travel?
Who knows all of your document locations, passwords etc.?

Private Companies, Employees & Shareholders


We are very involved in the private equity space. We work with shareholders who desire liquidity of their privately held stock. The private market for these shares can be complex and difficult to navigate. We have considerable experience working within the space.

We also work with private companies who are looking to raise their next round of financing. Through our work in the space, we have interacted with a large number of institutional investors who actively seek out investments in the rapidly growing private space. We help management teams plan their next raise and connect them with investors who may be a good fit for their business.

Divorcees: We take care of our clients, not just their finances

Through consultation and conversation, we cultivate a deep understanding of your current situation, needs and objectives. Our team is here to help you tackle complex financial issues to help create an optimal strategy for you and your family.

Our services include:


COORDINATION WITH YOUR KEY ADVISORS (ATTTORNEYS, CPAs, ETC.)


INCOME PLANNING & PROJECTION


PERSONALIZED INVESTMENT STRATEGIES



PORTFOLIO MANAGEMENT



LONG-TERM FINANCIAL PLANNING



TAX & INSURANCE PLANNING



FAMILY OFFICE SERVICES

Business Owners: We stop at nothing in pursuit of our clients’ goals.

At Wisehaupt Bray Asset Management, we leverage our deep experience working with entrepreneurs and business owners to help our clients enhance the value of their businesses, manage their financial lives and prepare for the next phase in evolution of their businesses.

Our team offers business owners assistance with the development and implementation of clear succession and business transaction strategies. Whether you aspire to pursue new business ventures or want to ensure that your legacy is sustainable, we help you take control of your business’s future. Our team works with you to assess your business’s valuation, the optimal time for an exit and the creation of business enhancement strategies to position you for a successful transaction. 

Planning for your business’s future.

As a business owner, your business is our passion. Your net-worth, years of your life and likely part of your identity are tied to your business. You did not achieve success with inaction, which is why it’s critical that you plan and execute a comprehensive strategy that aligns with both your current business values and your future personal objectives.

Our team understands that you need a financial advisor who understands the multi-faceted complexities of your business needs and your personal wealth.  It’s not enough to guide you in your stock and bond investments—you need someone who offers you a customized experience and a strategy that empowers you to control the fate of your business and your future.

WHAT COMES NEXT?

• Will you start a new business?
• Will you retire?
• Will you pursue charitable endeavors?



HAVE YOU EXPLORED THE FULL RANGE OF LIQUIDITY OPTIONS THAT MAY BE AVAILABLE TO YOU? SUCH AS:

• Partial business sale
• Total business sale
• Recapitalization
• IPO



WILL YOU SELL YOUR BUSINESS DURING YOUR LIFETIME, OR WILL YOU PASS IT ON TO THE NEXT GENERATION?

• What are the tax implications? 
• If you intend to transfer ownership of the business during your life, will you gift or sell the business to heirs, employees or a third party?
• If selling to employees, how will they fund the purchase?
• What is the business structure?
• Do you have partners or key employees?



VALUATION

• How will you arrive at the correct valuation for your business?
• What can you do to enhance your business’s valuation to advantageously position you for an event?
• If you intend to sell your business to family, will the valuation stand up to IRS scrutiny?



DO YOU HOLD STOCK OPTIONS?

• What is the optimum strategy for exercising your stock options given restrictions, vesting schedules and tax implications?

401(K) Plans: We lean on our fiduciary duties to organize, formalize, implement and monitor

We believe business owners offer a 401(k) plan to employees to attract and retain valuable talent. That’s why we simplify all aspects of 401(k) plans for clients and help you become a better, more informed Fiduciary. As a 401(k) plan provider, you are a fiduciary of the plan. Do you know what it means to be a fiduciary?

Both David Wisehaupt and Stella Bray are Accredited Investment Fiduciaries® (AIF®) and stand ready to assist you in understanding your fiduciary duties, as well as develop a clear plan for implementing your process to discharge your fiduciary responsibilities.

If you are concerned about your liability as a plan fiduciary or are unclear of any aspect of your fiduciary role, contact us.

While there are challenges in providing a 401(k) plan to your employees, there are advantages in getting it right. We urge you to consult a qualified partner when completing your annual review of the plan. We will review your plan and discuss our findings with you, at no obligation.

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