WHAT WE DO

Financial Planning

Don’t leave your finances to chance. Jason Noble and the Prime Capital Investment Advisors team will start by creating a holistic, comprehensive financial plan customized to your unique circumstances. We will design a plan that takes your current situation into account as well as your desired future, including your dreams for retirement. Complete, fiduciary independence allows us to do what’s in our clients’ best interests at all times. We are beholden to no one except you.

A financial plan takes many aspects of your financial life into account. It includes your income, your fixed, variable and discretionary expenses, and your amassed assets, such as your retirement accounts and investments. It includes ways to protect you and your family from financial risks. It includes your estate plan and documents. Your life isn’t static, and neither is your plan. We will take steps to review and update your financial plan on a regular basis.

Our analysis of your current situation focuses on a few data points including:

Cash Flow

All true wealth begins with positive cash flow; without it, little wealth can be generated. Cash flow refers to the net amount of cash and cash equivalents being transferred in and out of a household (its inflows less outflows). Using this formula, we seek to determine if/how we can optimize your cash flow by reviewing where inflow is coming from and where outflow is going. The primary outflow categories include: living expenses (budget), liability payments, insurance, planned expenses, savings, and taxes. The difference between your gross inflow and this outflow is either free cash flow (surplus) or cash flow deficit (shortage).

Learn about Portfolio Payday™

Net Worth

All net worth is determined by assets minus liabilities. With an understanding of your cash flow efficiency, we can now look to where the free cash flow is allocated as well as its liquidity. Your assets are allocated to six buckets: cash, investments, retirement, insurance, entity, and property.

Retirement Modeling

Retirement Modeling is centered around providing the cash flow to support a work optional lifestyle. Our “Probability of Success” retirement formula is Expenses (driven by living needs) X Longevity = Cost of Retirement. We then build the strategies to fund your retirement, starting with retirement cash inflows (Social Security, pensions, annuities, and planned distributions). The remaining need is supplemental withdrawal and the withdrawal rate percentage. If you are underfunded and still accumulating assets (working) we will then look at if you need to save more, defer retirement, or reduce living expenses.

Wealth and Lifestyle Protection

Wealth and lifestyle protection is designed to evaluate the strategies that are used to protect your money so you can maintain your desired lifestyle and preserve your legacy wealth. These core areas include: Estate, Tax, and Insurance.

Legacy, Multigenerational Wealth

Legacy and multigenerational wealth is the plan you have set in place to transfer your wealth at passing. The core areas we review include: family legacy discussion, estate tax, and tax on decedent in worst case scenario (current year and at passing).