“Our family office services make your life easier, while protecting and growing your wealth.”
- Rhonda Godwin

Business Advisory Services

We offer our expertise – finding the best ways for you to manage your family business and its assets. We’ll help you get protection from any liability your business may give you. And in the event you need to sell all or part of your business, we’ll help. We also evaluate your financial structures and help streamline your expenses.

Investment Management

We give you reasons to trust us with the management of your investments.

InvesTrust’s Family Office helps you make the most of your money – with experienced personnel and tailored plans.

Risk

Much of how your plan works will be determined by how much risk you want to take. Want to play it safe with a slow, steady expansion of your finances? We can help. Want to take a more aggressive approach to money-making? We’ll do that, too.

Here are our four risk profiles. We’ll help meet your special needs within any one:

  • Capitol preservation - The objective is to maintain wealth and take a minimum of risks. Money is rarely shifted from investment to investment. Moderate but consistent returns are expected, but that keeps you out of risky situations.
  • Moderate growth plus - The objective here is to strike a balance between your income and your investments in stocks and bonds. We’ll keep your portfolio balanced so that your risk level stays in check, but these investors are willing to assume some risk.
  • Wealth building - The goal is to grow your wealth over a three- to five-year period. Equities are the main moneymaker in this portfolio, which puts investors at risk for some price volatility. But reinvesting dividends and dollar-cost averaging help investors in this profile make money in a relatively quick fashion.
  • Aggressive appreciation - These investors want to make money at an above-average rate, and in only three to five years. Because of that goal, investors take on more risk. Stocks make up the entirety of the portfolio. Current income is not a necessity for these investors.

Strategies

Within each risk profile, we use a number of investment strategies to keep your money safe and growing. Here’s a quick list of the techniques we use for managing stock funds:

  • Succession planning - includes buy-sell agreements, split-door plans, specialized trusts and gifting strategies.
  • Corporate finance - includes lending negotiations, lines of credit, private equity partners and public debt offerings.
  • Liquidity strategies - includes real estate investment trusts, buy-and-sell funding, deferred sales and discounted share sales.
  • Retirement planning - includes 401(k)’s, pensions and in-house record keeping.

Comprehensive Planning

In looking at the overall health of your finances, our expert investment managers take many things into consideration. Here’s a quick list of what we look at, just to get you thinking about what our financial planning can do for you and your family:

Net Worth Analysis

We help you assess your current financial condition, identify your assets and liabilities, assign value to current holdings, and document titles of ownership (real estate, cars, etc.).

Analysis of Finances

We determine the current value of your estate and look at how that value might change in the future. Then we work with you to manage your estate and create plans for estate transfers.

We let you decide whether you want to borrow money to increase your assets or sell the assets you have. We help you create a plan that will keep your money free and movable – or increase its liquidity. We’ll help with your home finances and get you a secure line of credit.

Retirement Planning

Trust us to manage your retirement – so you can get out there and enjoy a full and healthy life.

We will advise you through the entire retirement-planning process. We will help you see what your life will be like after retirement – how much money you’ll have at different ages, and how taxes and inflation will affect your savings.

With our help, you’ll be able to put retirement plans out of your mind so you can focus on what’s important in your life.

Education Planning

There’s perhaps no more important investment than in the education for our children. But with tuition rates always on the rise, paying for a quality education is something you must plan for.

We’ll help you find just the plan to fit your needs.

You tell us about your children and about their educational needs and goals. Then we’ll tell you how much you need to save. We’ll give you monthly and yearly savings benchmarks to make sure you put the right amount of money back. And we’ll start the kinds of accounts you’ll need to grow that money and keep it safe.

Asset Management

Trust us to manage your assets. We have a record for level-headed, smart investments. Our financial services include risk assessment, portfolio reviews, creating investment goals, asset allocation and diversification, real estate evaluation, alternative investing, private equity reviews.

We also give advice on asset management – and we don’t charge commission.

Tax Reduction

Let us help you manage your investments and reduce your taxes. We find unique ways to evaluate and reduce your federal taxes and estate taxes, based on your situation.

Trust and Charitable Giving

Giving your money to others is a powerful, life-changing experience. Trust us to help you make the most of your charitable contributions.

We give the most current advice. Our professionals create a donation strategy that fits both your needs and the needs of the helpful organizations you care about.

InvesTrust has contacts with a number of charitable and non-profit organizations. We are well respected in that community, and we know how to work both sides of the equation to make the most of your gifts.

Insurance

We will review and evaluate your current insurance policies to see if they’re meeting your needs. If not, we’ll help you out, making recommendations and setting you up with appropriate insurance carriers. Using the right insurance policy from the right insurance company is essential to protecting you and your family.