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Comprehensive Planning

Your portfolio is just one piece of the puzzle…

At Miracle Mile Advisors, we understand the value of creating a customized plan that is tailored to your unique financial goals. Your portfolio is only one piece of the puzzle. We help you make sense of the other important issues life throws at you to design and implement a life plan that will help to get you where you need to go.

We provide an in-depth analysis of a client’s balance sheet and customize strategies that may enhance assets, reduce liabilities, and increase their overall net worth. Using comprehensive analysis per asset owned, we can determine a client’s “real” asset allocation and design enhancement strategies. We create a plan that may reduce and/or eliminate a client’s liabilities, such as fees, loans, and various taxes.

  • Private businesses and private equity
  • Real estate
  • Art and jewelry
  • Car and wine collection
  • Intellectual property
  • Royalties

The threats to wealth proportionately increase as a client’s net worth grows. We can help clients create a fortress around their assets, thus preserving their wealth. Devising an asset protection plan is crucial to preserving a client’s wealth. We assess a client’s total risk exposure per asset owned and then we begin to build a fortress of protection utilizing legal and financial strategies. Insurance can play an important role in protecting your family and assets. It can also be key in optimizing after-tax returns and transferring wealth to the next generation.

  • Umbrella insurance
  • Life insurance policy audits
  • Cash value insurance
  • Key-man risk
  • Buy-sell agreements
  • State exemption planning
  • Trusts
  • Corporate structure and restructuring

For many business owners, the business itself represents the largest asset on his or her balance sheet. The structure, organization, and intention behind a client's business holdings is just as important as their value. This fact combined with the heightened emotions often associated with a transition or sale, leaves many business owners feeling uneasy about their long-range retirement, estate, and wealth transfer planning.

  • Design business/executive benefits, entity restructure, retirement/pension management pre-liquidity
  • Strategize successful exit or eventual business succession
  • Minimize income taxes to both the entity and the individual owner through proactive planning that can be implemented in conjunction with a sale process
  • Determine post-transaction cash flow and retirement needs and assist in modeling various proposed transaction structures (earn-outs, roll-over equity, etc.) including the identification of specific correlation risks
  • Implement a post-transaction investment strategy to meet lifestyle needs and optimize the timing of any additional post-transaction cash flows including tax liabilities

Proactive tax planning has become much more important in recent years. We help you optimize the after-tax results – it’s what you keep that matters.

Capital Gains Tax Planning - In the investment world, after-tax returns are not the same as pre-tax returns especially in light of the recent changes to capital gains rates.
• Analytics and technology to design efficient asset allocations that aim to help you get the most out of your portfolio
• Structures and strategies to help defer or reduce capital gains tax on large transactions

Income Tax Planning - We strive to bridge the gap between your income tax liabilities and your investments:
• Optimize retirement account contributions (401K, IRA, DBP, PSP contributions)
• Charitable investment strategies with deduction (CRTs, CLTs, DAF, foundation)
• Insurance and other tax efficient investment options

  • Umbrella insurance
  • Life insurance policy audits
  • Cash value insurance
  • Key-man risk
  • Buy-sell agreements
  • State exemption planning
  • Trusts
  • Corporate structure and restructuring

For clients with large estates, advanced estate planning above and beyond the basics is essential to minimize or even eliminate estate taxes. We start by analyzing how assets are held and reorganize the estate where appropriate for the most optimal transfer to heirs.

  • Asset protection strategies to safeguard your lifetime’s work
  • Wealth transfer strategies to move assets outside of your taxable estate
  • Charitable strategies to minimize taxes during your lifetime and fulfill your charitable intent both during and after your life

Disclaimer: Miracle Mile Advisors does not provide legal or tax advice. Comprehensive planning site is for general informational purposes and does not constitute as financial advice.