WEALTH MANAGEMENT
ADVISOR-GUIDED RETIREMENT PLANS
OUTSOURCED CHIEF INVESTMENT OFFICER
WEALTH MANAGEMENT
Personalized Attention
Customized Portfolios
Strategic Opportunities
Unique Solutions
Comprehensive Services
Our philosophy of providing comprehensive financial services reaches a step beyond customized portfolio management. Through our affiliation with Gross, Mendelsohn & Associates, P.A., a regional CPA and management advisory firm, our team is able to provide you with comprehensive, integrated financial services including tax and cash flow planning, as well as education, retirement, and estate planning.
ADVISOR-GUIDED RETIREMENT PLANS
Guidance
By engaging GGM as an investment advisor for your company’s retirement plan, we take on a fiduciary role seeking to improve profitability, increase participation, and reduce your expenses.
Trusted Expertise
Better Service
Better Choices
Lower Fees
OUTSOURCED CHIEF INVESTMENT OFFICER
Peace of Mind
Dynamic & Tactical
Strategic & Rules Based
Flexible Responsibility
Concentrated Stock
Beyond Wealth Management
As an affiliate of Gross, Mendelsohn & Associates, one of the Mid-Atlantic’s largest and fastest-growing CPA and technology consulting firms, GGM Wealth Advisors has direct access to some of the region’s best tax and estate planning experts. This means our clients not only benefit from the wealth management expertise of GGM Wealth Advisors, but also the knowledge of talented CPAs who understand the tax and financial ramifications of every aspect of wealth management.
Our relationship with Gross Mendelsohn & Associates allows us to provide you with comprehensive services that utilize a host of our team members, extending beyond your typical financial advisor or accountant relationships. When you work with GGM Wealth Advisors and Gross Mendelsohn, you will work with people dedicated to finding every available opportunity for you to improve profitability as well as preserve wealth.
FAMILY FINANCIAL PLANNING
ESTATE PLANNING
EDUCATION PLANNING
FAMILY FINANCIAL PLANNING
Multi-Generational Planning
Philanthropic Goals
Tax Strategies
Personal Management
Wealth Transfer Strategies
ESTATE PLANNING
Gifting
Future Generation Plans
Carefully Prepared Plan
A carefully prepared estate plan will allow you to achieve many goals:
- Ensure the financial security of your spouse
- Determine what should be left to the children and how their inheritances should be handled if they are young
- Dispose of the family business
- Minimize the effects of taxes on your estate
- Empower a reliable executor and trustee to invest and manage the assets in your estate.
Trusts & Wills
Charitable Planning
Generation Skipping Plans
Tax Planning
EDUCATION PLANNING
College Investment Plan
Selecting Investment Track
Investment Options
Enrollment-based portfolios are tailored to a student’s expected year of college enrollment and are periodically adjusted to become more conservatively invested as the student gets closer to entering college. There are eight enrollment-based portfolios, ranging from 100% stock funds to a conservative allocation plan.
Fixed portfolios invest in a pre-determined mix of stocks and/or bonds, and the investment mix remains constant. There are five fixed portfolios to choose from, and depending on your goals and risk tolerance, we will help you choose a more aggressively invested equity portfolio, a more conservative short-term bond portfolio, or something in between.
ACCOUNTING & TAX PLANNING
Personal Solutions
Tax Planning
Take advantage of strategies such as deferral of income, accelerating deductions and tax compliance issues such as, favorable tax rates, and taking advantage of tax exempt income and tax credits when available.
And because your personal wealth is tied to your business, our tax experts consider all facets of your tax situation, carefully connecting your business and personal financial positions. This integrated approach enables us to deliver proven wealth-generating strategies to you.
Tax Preparation
In addition to the usual tax preparation and tax planning issues, Gross Mendelsohn’s tax specialists help with entity selection, accounting method selection, benefits planning, tax compliance issues such as the requirements of the Affordable Care Act, investment options, charitable giving, income deferral, asset shifting and protection, buy / sell agreements, earnings accumulation, cost segregation studies, R&D tax credits and estate planning.
AUDIT & ASSURANCE
Understanding the Numbers
Financial Statement Audits
Employee Benefit Audit
An employee benefit plan audit provides assurance that the financial statements of a plan are properly stated. This can help ensure that the benefits promised will be available to the organization’s employees (plan participants).
Employee benefit plans – including 401(k) and 403(b) plans – with 100 or more plan participants are generally required by the Department of Labor or ERISA to have an annual audit. According to the Department of Labor, however, a staggering 30% of employee benefit plans in Maryland fail to meet the minimum requirements for professional standards.