Services

At the heart of us serving our clients lies a genuine commitment to guiding you toward realizing your fullest financial potential throughout your lifetime. We understand that the journey changes over time — be it Accumulation, Distribution, or Legacy for the next generation — and this responsibility can feel daunting. Our team is here to be with you through the ascent and descent, aiming to ensure your safety and well-being of your business and family is paramount.

The world is moving faster than we ever thought possible. In today's rapidly changing world, financial decisions have become increasingly intricate. It's our sincere mission to bring clarity to those decisions to make the journey an enjoyable one. We want you to approach each financial decision with confidence, knowing that we are here to verify and validate each step of the way.

Services

Wealth Strategy

Achieving true wealth involves strategic decisions that must not only include the investments, but also the products to protect and maximize the full benefits of every asset in your arsenal. At Spinnaker Financial, our approach goes beyond mere wealth accumulation – we aim to minimize and alleviate the current and potential losses in taxes, seeking a more confident and prosperous future for your business and family.

Investment Strategy

Investing more than just trying to just buy low and sell high. Understanding your personal aspirations and desires are essential in developing a plan that reflects who you are. We incorporate principles and strategies that enable us to put together an investment portfolio that addresses your risk tolerance, time horizon, and future needs. We work to understand you to help avoid the normal pitfalls that setback many investors.

Risk Analysis & Mitigation

The last thing anyone wants is to be blindsided by an unforeseen loss. These losses can come in the form of a lawsuit, accident, disability or the tragic loss of a loved one. These events in life can permanently affect the ability to increase and keep your wealth. We discuss potential loss scenarios so the most appropriate coverages are purchased such as property and casualty, life, and disability insurance. Our goal is design a protective shield, allowing you and your loved ones to navigate life with confidence and security. Your peace of mind is at the forefront of our mission.

Asset Protection

The protection of the assets you’ve worked so hard to build is paramount in sustaining long-term wealth. We work with our clients to deploy the safety measures that guard against the detrimental effects, legal actions, such as lawsuits, judgments and liens.

Tax Mitigation

Taxes are arguably the most detrimental wealth drain To our business and families, financial health. For each dollar of tags, we pay unnecessarily we not only lose that dollar but also what that dollar would have earned us throughout our lifetime. We help our clients utilize the tax code to minimize the amount of taxes that are paid today and in the future.

Legacy Planning

The efficient passing of assets from one generation to another, is critical to the success for multigenerational wealth. You not only do you want to pass the assets to your heirs, but also share the knowledge to nurture and grow those assets for the next generation. In this process, we act as guides for your legacy plan, utilizing MyLegacyLock. To learn more click here.**

www.EstateMadeSimple.com

Business Strategy

A business is the most effective tool for building wealth ever created. Growing a business involves risk, so why not take full advantage of as many strategies as possible to leverage the effectiveness of your business. Spinnaker Financial utilizes specialists across the country aiming to improve the profitability and benefits derived from being an entrepreneur. From business valuations for Key Man policies to mitigating enterprise risks, we make the profitability and sustainability of your company our priority.***

“For I know the plans I have for you, declares the LORD, plans to prosper

you and not to harm you, plans to give you hope and a future.” Jeremiah 29:11


**MyLegacyLock is not affiliated with HTK and this service is being offered as a complimentary service. You should always consult a qualified legal professional for your personal estate planning situation.

***Business valuation services offered through BizEquity are furnished as a complimentary service and should not be relied upon as a certified valuation and are provided for informational purposes only.   Penn Mutual and its agents does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through Biz Equity. The estimates and data derived from information provided are made using publicly available information and data, and rules of thumb for different industries. Penn Mutual has not audited or attempted to confirm any information for accuracy or completeness. Any reports should not be used to obtain credit or for any other commercial purposes. Any reports are the intellectual property of Biz Equity and the information provided is provided for your internal use only and may not be copied or redistributed for any reason. Your use of any report and the information provided is also subject to Biz Equity terms of use and privacy policy of Biz Equity.  Penn Mutual and Biz Equity are unaffiliated.  Trademarks belong to their respective owners.