Tuttle Financial Logo
Tuttle Financial Logo
  • Over 80 Years of Experience

Serving High-Net-Worth Clients Worldwide

Educate

Evaluate

Elucidate

Tackle your finances smartly with experienced wealth consultants

Contact Us

Serving High-Net-Worth Clients Worldwide

Educate

Evaluate

Elucidate

Tackle your finances smartly with experienced wealth consultants

Contact Us

Maximize Your Wealth With True
Comprehensive Financial Planning Solutions

Welcome to Tuttle Financial Services, Ltd.™ We are dedicated to delivering true comprehensive financial planning and meaningful wealth consultation. Our experienced professionals can assist you in navigating and understanding the ever-changing nature of personal and business finances through an educational and highly proactive and responsive approach. Have you thought about any of the following questions?

  • Do you know the current value of your total net worth?

  • Do you have a detailed sense of your current and projected net annual cash flows, including earned income, investment earnings, and inheritances less your lifestyle expenses, taxes, and healthcare costs?

  • Can you describe the services and value provided by the current members of your advisory team, including your investment managers, accounting team, and legal team?

  • Are the current members of your advisory team being efficiently coordinated to maximize their expertise and value to you?

  • Do you have an advisory team coordinating your wealth planning across jurisdictions, if you have a cross-border profile?

  • Do you know the composite asset allocation mix across the entirety of your investment portfolios (including over-funded life insurance and annuities), investment managers, and investment platforms – and if this allocation is in line with your goals and objectives?

  • Have you evaluated the respective and comparative investment costs you pay across all investment managers, investment platforms, investment vehicles, and investment products you currently utilize?

  • Do you know how your investment managers and other advisors are being compensated and if they are acting in your best interest?

  • Do you know the comparative performance of your investments in terms of risk-adjusted, after-cost, and after-tax returns?

  • Are your assets being managed according to the parameters of a clearly communicated and monitored investment policy reflecting your goals and objectives?

  • Are the efforts of your investment managers and accounting team being coordinated to ensure tax efficiency and maximization of your wealth?

  • Does your accounting team proactively suggest strategies to minimize your taxes and keep you updated on the potential impact of changing tax legislation?

  • Is your estate plan being coordinated with your accounting team?

  • Do you understand the possible levels of taxation to which your estate may be exposed?

  • Is your estate attorney aware of the full extent of the details of your balance sheet and cash flows and your desired goals for legacy and charitable planning?

  • Have you considered the increased administrative burden and cost to the beneficiaries of your estate when you have assets in various jurisdictions (different states in the U.S. or different countries)?

  • Do you know how your estate will be taxed in applicable jurisdictions and understand techniques to mitigate these taxes?
  • Have you established an estate plan that effectively directs your assets to the beneficiaries you wish, and is your estate plan reviewed periodically?

 

  • Are you contemplating a transition from a corporate executive position to an entrepreneurial role, and do you understand how to replicate corporate benefits for you as a self-employed individual or business owner?

 

  • Do you understand how to evaluate and negotiate your corporate or retiree benefits package, if you are transitioning between corporate positions or retiring?

 

  • Do you know how you can utilize creative techniques with qualified retirement plans to shield income from taxation as a self-employed individual or business owner?

 

  • Are you aware of how life insurance can be utilized for death benefit protection, estate tax liquidity, enhanced charitable giving, cost-effective source of funds, and tax-efficient investing?

 

  • Do you understand the comparative advantages and disadvantages of various types of life insurance for various purposes?

 

  • Do you know the extent of your existing life insurance coverage, either purchased directly or provided by an employer or business arrangement, and its value, including in the secondary market?

 

  • Do you understand how annuities can provide a guaranteed stream of lifetime income without annuitization and harness the power of tax-deferred investing?

 

  • Have you considered how you will sequence the distribution of cash flows from your various investment vehicles in a tax-efficient manner?

 

  • Do you understand how U.S. Social Security benefits work and how to evaluate when to commence benefits and how benefits are taxed?

 

  • Have you considered how you will fund the costs of extended healthcare and any unexpected medical costs?

 

  • What would happen to your family and other loved ones if you died unexpectedly?

 

  • What would happen if you become incapacitated, either physically or mentally?

 

  • Are you adequately protected against the greatest risk faced by individuals, particularly at older ages?

 

  • Do you understand how to coordinate your medical plan coverage, U.S. Medicare benefits, any non-U.S. health plan benefits, and extended care benefits?

 

  • Are you aware of sources of cost-effective liquidity, including using the untapped equity value of your primary residence?
  • Do you know the current value of your total net worth?
 
  • Do you have a detailed sense of your current and projected net annual cash flows, including earned income, investment earnings, and inheritances less your lifestyle expenses, taxes, and healthcare costs?
 
  • Can you describe the services and value provided by the current members of your advisory team, including your investment managers, accounting team, and legal team?
 
  • Are the current members of your advisory team being efficiently coordinated to maximize their expertise and value to you?
 
  • Do you have an advisory team coordinating your wealth planning across jurisdictions, if you have a cross-border profile?
 
  • Do you know the composite asset allocation mix across the entirety of your investment portfolios (including over-funded life insurance and annuities), investment managers, and investment platforms – and if this allocation is in line with your goals and objectives?
 
  • Have you evaluated the respective and comparative investment costs you pay across all investment managers, investment platforms, investment vehicles, and investment products you currently utilize?
 
  • Do you know how your investment managers and other advisors are being compensated and if they are acting in your best interest?
 
  • Do you know the comparative performance of your investments in terms of risk-adjusted, after-cost, and after-tax returns?
 
  • Are your assets being managed according to the parameters of a clearly communicated and monitored investment policy reflecting your goals and objectives?
 
  • Are the efforts of your investment managers and accounting team being coordinated to ensure tax efficiency and maximization of your wealth?
 
  • Does your accounting team proactively suggest strategies to minimize your taxes and keep you updated on the potential impact of changing tax legislation?
 
  • Is your estate plan being coordinated with your accounting team?
 
  • Do you understand the possible levels of taxation to which your estate may be exposed?
 
  • Is your estate attorney aware of the full extent of the details of your balance sheet and cash flows and your desired goals for legacy and charitable planning?
 
  • Have you considered the increased administrative burden and cost to the beneficiaries of your estate when you have assets in various jurisdictions (different states in the U.S. or different countries)?
 
  • Do you know how your estate will be taxed in applicable jurisdictions and understand techniques to mitigate these taxes?

  • Have you established an estate plan that effectively directs your assets to the beneficiaries you wish and is your estate plan reviewed periodically?

 

  • Are you contemplating a transition from a corporate executive position to an entrepreneurial role and do you understand how to replicate corporate benefits for you as a self-employed individual or business owner?

 

  • Do you understand how to evaluate and negotiate your corporate or retiree benefits package, if you are transitioning between corporate positions or retiring?

 

  • Do you know how you can utilize creative techniques with qualified retirement plans to shield income from taxation as a self-employed individual or business owner?

 

  • Are you aware of how life insurance can be utilized for death benefit protection, estate tax liquidity, enhanced charitable giving, cost-effective source of funds, and tax-efficient investing?

 

  • Do you understand the comparative advantages and disadvantages of various types of life insurance for various purposes?

 

  • Do you know the extent of your existing life insurance coverage, either purchased directly or provided by an employer or business arrangement and its value, including in the secondary market?

 

  • Do you understand how annuities can provide guaranteed steam of lifetime income without annuitization and harness the power of tax-deferred investing?

 

  • Have you considered how you will sequence the distribution of cash flows from your various investment vehicles in a tax-efficient manner?

 

  • Do you understand how U.S. Social Security benefits work and how to evaluate when to commence benefits and how benefits are taxed?

 

  • Have you considered how you will fund the costs of extended healthcare and any unexpected medical costs?

 

  • What would happen to your family and other loved ones if you died unexpectedly?

 

  • What would happen if you become incapacitated, either physically or mentally?

 

  • Are you adequately protected against the greatest risk faced by individuals, particularly at older ages?

 

  • Do you understand how to coordinate your medical plan coverage, U.S. Medicare benefits, any non-U.S. health plan benefits, and extended care benefits?

 

  • Are you aware of sources of cost-effective liquidity, including using the untapped equity value of your primary residence?

Have you been referred by one of our clients or another professional? Complete the Contact Us form to begin to understand all aspects of your wealth.

Why Engage
Tuttle Financial Services, Ltd.™

Our fully integrated, dynamic financial planning approach covers a broad spectrum of short-term and long-term financial matters. Our approach works to address both personal and business objectives through significant life events and business cycles. In particular, we do not focus on a single component of wealth, such as investments, insurance, estate planning, retirement planning, or tax planning. Instead, we act as consultants and advisors to assist our clients in understanding, developing, and managing their entire financial landscape. We specialize in the complex areas of financial planning and find more innovative and advanced solutions for our clients.

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Mission Statement

Our mission is to provide a suite of integrated services with an unparalleled level of professionalism, technical expertise, and diligence. Our team operates with the highest degree of integrity and ethics. Our objective is to earn long-term relationships with our clients by acting in their best interests and providing proactive and creative solutions now and in the future. We are committed to maintaining an unsurpassed standard of excellence in our profession. We seek to work with clients who understand and appreciate the value of true comprehensive planning and a relationship with a trusted advisor and advocate.

Get Started

All of the complexities of your wealth and life planning can be challenging to decipher and navigate, particularly in an ever-changing world. Let our experienced and highly credentialed consultants provide you with exclusive and professional guidance and thoughtful solutions. 

Complete the Contact Us form to get started.

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© 2021 Tuttle Financial Services, Ltd.™ All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner.

© Tuttle Financial Services, Ltd.™ All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner.