Our Concepts
The Three Circles of Wealth is the design model that BTA Advisory Group developed and uses to help people who may be too busy with success to deal with the fast rate of change in the economy around them. The model helps each individual or company to properly allocate their assets into each of the Three Circles.
- The Three Circles of Wealth
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Wealth Accumulation
How long has it been since you allowed a professional advisor to take an independent "second look" at your company retirement plan or your personal portfolio of investments? Remember, your return is increased 1% for every 1% savings on the bottom line. -
Wealth Succession
There is no such thing as "new money." Most successful sellers buy themselves out of their own company. They have been artificially focused on the 10% problem but often have overlooked the 70% problem, until it is too late. Every successful business succession plan occurred because the seller was independent of the transaction. -
Wealth Preservation
Every person in the United States leaves a legacy - a statement of who they were and what was important to them. Some were fully in control of their legacy, while others elected to ignore the opportunities. The Choice will always be theirs, until it is too late.
These circles are Wealth Accumulation, Wealth Succession, and Wealth Preservation, and when filled properly can prevent wealth erosion.
The Three Circles of Wealth
Wealth Accumulation
If you knew your wealth accumulation plans could deliver significantly more value for the same costs, would you consider an alternative strategy?
Most of our clients say they were unaware of the opportunities available until we present our ideas. BTA Advisory Group is well known for their innovative and efficient funding programs.
It requires more than active management to deliver meaningful results. The tax implications, hidden costs and ongoing administration are key elements to the success of any long term plan.
By allowing BTA to give a "second opinion" on your current portfolio of accumulation strategies, you risk nothing. However, you stand to gain from over 30 years of evolving skills and experience.
How long has it been since you allowed a professional advisor to take an independent "second look" at your company retirement plan or your personal portfolio of investments? Remember, your return is increased 1% for every 1% savings on the bottom line.
Wealth Succession
Most owners of stock from an IPO or stock in a closely-held company will regrettably ignore the potential consequences that death or disability could have on their 3 Circles.
Stock restrictions, lack of marketability and economic cycles can all conspire to bring financial distress to the best holdings. BTA Advisory Group has fashioned creative buy-sell agreements that allow senior management the ability to protect their equity, build liquidity and still maintain control for any period they deem necessary.
Many times, Senior Management needs to retain key executives, design an acceptable exit strategy or prepare for the inevitable risks of life - death or disability. BTA Advisory Group has assisted families in recent consulting projects in their efforts to pass the company to their children, sell their company to key management or market their company to third party buyers.
Visit the other sections of our Web Page and review the thumbnail profiles of recently completed consulting assignments. If you see one that fits, you may want to talk with us further.
There is no such thing as "new money." Most successful sellers buy themselves out of their own company. They have been artificially focused on the 10% problem but often have overlooked the 70% problem, until it is too late. Every successful business succession plan occurred because the seller was independent of the transaction.
Wealth Preservation
Why work your entire life to end up having your heirs liquidate over half of your assets to satisfy an obligation you didn't have to pay?
It has been long held that estate taxes are voluntary. Part of the assets you control are what we call personal capital. But 50% of what you control is "social" capital. You have a choice of distributing the capital to social causes of your choice and determination or you can send your assets to the Federal Clearing House in Washington D.C.
Too often, people who have successfully amassed significant wealth have overlooked exactly how much control they have over the disposition of their estate. Instead of carefully planning their ultimate exit, they leave the plan to chance. Instead of architecting a legacy compatible with their life objectives and values, they abdicate the job to their attorney and heirs.
BTA Advisory Group is dedicated to helping their clients visualize and implement their legacy. Through the skillful combination of legal, ethical and effective tools, BTA can help you dictate the terms of your legacy.
Every person in the United States leaves a legacy - a statement of who they were and what was important to them. Some were fully in control of their legacy, while others elected to ignore the opportunities. The Choice will always be theirs, until it is too late.