OUR SOLUTIONS

Through Bond Financial have a broad array of financial vehicles available to help you implement your particular financial strategy.

We offer clients a review of the following product needs:

·        Private Asset Management

·        Liquidity & Insurance Planning

·        529 Higher Education Savings Planning*

·        Annuities (Deferred and Income)

·        Retirement Plans for Businesses

Private Asset Management

There are many ways to approach portfolio management, and no one solution is right for every investor.  That's why we offer Lifetime Wealth Portfolios^SM, an innovative investment advisory platform that offers several investment strategies, accounts tailored to your individual needs and a choice of investment managers. 

With Lifetime Wealth Portfolios, we identify your unique investment and protection needs and recommend the asset allocation or risk/return strategy that’s right for you.  Then we help you select the investments for your portfolio according to your objectives. Our portfolios leverage our unique approach to integrating your insurance and investments, and they include ongoing management and dynamic investment strategies to adjust to your evolving needs throughout your life.

We offer several program options within the Lifetime Wealth Portfolios platform so that you can select the one that’s right for you.

Lifetime Wealth Portfolios - Sub-Advised Program

This discretionary managed account offers a choice of professional sub-advisers to manager your portfolio. These sub-advisers are among the most respected in the industry and include Brinker Capital, Ibbotson Associates, Loring Ward and Morningstar Investment Services, Inc. Each sub-adviser follows a specific investment philosophy, selecting from actively and passively managed funds and managing according to strategic and tactical asset allocation strategies. 

Lifetime Wealth Portfolios - Personal Adviser Program

If you prefer a more customized portfolio and control of individual investment decisions, consider the Personal Adviser program. We will build an individual portfolio for you that may include exchange-traded funds and mutual funds. In addition, you will be an active participant in the details and decisions of your portfolio.

Lifetime Wealth Portfolios - Separately Managed Account

This account offers custom built portfolios with individually held securities, and may utilize tax efficient trading strategies. The Lifetime Wealth Portfolios Separately Managed Account program provides access to portfolio managers with specific expertise in targeted investment strategies such as Rothschild Asset Management (equities), Reinhart Partners (fixed income), and Gannett Welsh & Kotler (municipal bonds).

Through NYLIFE Securities LLC. member FINRA/SIPC, we have access to brokerage accounts and individual mutual fund purchases from some of the leading mutual fund families such as:

American Funds

Franklin Templeton

Calvert Funds

Mainstay Funds

The process involves, but is not limited to, the following important stages: 

·         Setting investment objectives

·         Developing an asset allocation strategy

·         Evaluating/Selecting investment vehicle

·         Portfolio review – Ongoing portfolio monitoring

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Liquidity and Insurance Planning

In those circumstances where our client's plan indicates a need or desire for liquidity to address an array of funding issues such as disability and/or income protection for the family's security, fund business succession plans, key employee plans, estate tax liquidity needs, capital for long-term care planning, or to fulfill a charitable legacy, we arrange access to a number of the world's premier life, disability, and long-term care insurance companies.  Our insurance acquisition protocol assures independent access and selection from start to finish.

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529 Higher Savings Education Plan*

Through NYLIFE Securities LLC. member FINRA/SIPC, we also have available 529 college savings programs.  

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Annuities

We offer access to both deferred and income annuities.  An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

·         Deferred Annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

·         Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.   It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

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Retirement Plans for Businesses*

Finding the best solution to a retirement plan depends on many business variables, such as the firm’s objectives, its profitability, the owners’ budget, and the number and types of employees. What’s more, the decision necessarily involves at least three different entities: the owner(s), a third party administrator, and an investments specialist.

Bond Financial has had over thirty years of experience in serving our clients needs in this arena. We will function as a liaison between the firm, the financial services vendor and the third party administrator.

Our process begins with a detailed fact finding interview, in order to determine the goals and objectives of the owners, including a current census of employees. Then, together with a TPA, a plan will be analyzed to match the firm’s needs, and an appropriate investment platform identified.

Often, a firm will already have a plan, but the owners are dissatisfied for any of a number of reasons. We can assist in amending the plan to bring it in line with the firm’s objectives, or possibly change the firm’s investment platform.

Finally, some firms will decide that a “tax qualified” retirement plan is too restrictive or in some way inappropriate. We can often devise a “non-qualified,” or “Top Hat program,” which will benefit a select group of employees.

Designing the best business retirement plan can be an extremely involved process and one that requires specialists. Bond Financial can provide the framework to assist our business clients in accomplishing their objectives.
 

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^{*Securities offered through NYLIFE Securities LLC (Member FINRA/SIPC)}