Capital Enhancement

Doug had been involved in Estate, Tax, and Financial Planning for over 30 years. He was formerly a partner in the Ayco Company, where he represented some of the firm's senior clients. He had also worked for Prudential Insurance, the law firm of Halpern, Schachter, & Wohl, and the Internal Revenue Service.

Higher education expenses can represent a large percentage of your overall financial obligations. Analyzing and recommending appropriate education vehicles, such as 529 plans, and developing an appropriate funding strategy. Analyzing alternative funding, such as custodial accounts, gifts of appreciated stock, or paying directly to the institution.

Since taxes can consume up to 50% of your income, effective tax minimization can enhance personal cash flow and investment returns. Projecting current year's tax liabilities, to minimize estimated tax penalties and to identify tax saving opportunities. Working with clients in timing of income and deductions to minimize the impact of the Alternative Minimum Tax.

Appropriate planning recognizes which risks to self-insure and which large risks to insure. We help clients identify and maintain appropriate life, property and casualty, liability, medical, and disability coverage. We also help clients integrate their insurance planning with their estate planning and investment planning.

Capital Enhancement LLC is a Registered Investment Advisor. We do not sell investment products and the only fees we receive are from our clients. We receive no third party fees, commissions, or "soft dollars", which helps ensure objectivity.

Our investment process has two main components: working with our clients to help them define the appropriate risk tolerance for their portfolio, and assisting with implementation and monitoring of the strategy.Reviewing and refining your asset allocation, including potential risk / reward trade-offs.