Annex Executive

Give your executives the elite wealth management their success deserves.

The success of nearly every company is contingent on the decisions and leadership of its executives. Often they deal with intense stress and scrutiny while making far-reaching decisions on the direction of the business.

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Sometimes, demands of being an executive can lead to less time and attention paid to personal financial decisions. Annex Wealth Management works with executives to help them understand compensation and benefits, and then make decisions consistent with individualized personal financial plans.

Financial & Retirement Planning

Long-Term Incentive Compensation

Long-term incentive compensation is often part of a business’s Long-Term Incentive Plan (LTIP). LTIPs are a method companies use to reward employees for the attainment of certain goals that played a part in increased shareholder value.

Many LTIPs require that an executive reach or fulfill various conditions or requirements in order to receive the benefit.

Annex Wealth Management helps executives with critical Long-Term Incentive Compensation decisions, including areas like:

Stock Options
Performance Units
Restricted Stock

Deferred Compensation

Executive Deferred Compensation Plans (EDCP) typically withhold a pre-determined part of an executive’s pay until a specified future date. Since they offer greater flexibility for your financial planning, EDCPs offer opportunities for increased savings – but often have many strings attached.

The Annex team will help you review the details:

Details that must be considered, like distribution schedules and possible tax implications.
A comprehensive definition of a EDCP
When deferred compensation may make sense for you
Choices in your current EDCP plan
Understanding what payout option aligns with your retirement plan

Details that must be considered, like distribution schedules and possible tax implications.

Your Retirement Benefits

As compensation packages evolve, it becomes harder and harder to keep track of each type of retirement offering, and how best to leverage it to reach retirement goals. Your 401(k) is a critical tool to meeting your retirement goals and there are planning opportunities available to assist in maximizing this benefit. If you’re fortunate to have a pension then you know they offer more retirement opportunities – and decisions.

Annex Wealth Management’s Retirement Planning Team understands the complexities and nuances of 401(k) plans, pensions, and other retirement benefits. We’ll walk you through important concepts:

The difference between the pension plan, cash balance plan & 401(k) matching
Maximizing your 401(k) options
Lump sum vs. annuity options
Non-qualified vs. qualified

Tax & Estate Planning

Tax Guidance

Taxes are a concern for practically everyone – but executives often are faced with diverse methods of compensation and complex decisions regarding their tax plan.

Annex tax specialists are prepared to discuss several key tax guidance areas:

Options
Alternative Minimum Tax (AMT)
Income
Tax Gross-up Policy
Tax Bracket Maximization

Estate Guidance

While many may have set up some sort of estate plan, few regularly update and calibrate based on changes in the landscape. Recent changes in laws have forced many to review their estate and retirement plans.

Annex Wealth Management’s Estate Planning Team includes an in-house Estate Planning Attorney, along with CERTIFIED FINANCIAL PLANNER™ professionals, prepared to review your current plan.

We’ll help create or review a comprehensive estate plan, including critical details:

Continually monitoring the estate tax exemption
Legacy planning for multi-generational wealth
Income tax efficient transfer of wealth strategies
Review of all estate planning documents (will, trust, POAs, etc.)
Efficiently transferring second homes/vacation property to family members

Insurance Planning

Where can you turn for objective, unbiased insurance advice? The Annex Financial Planning Team includes CERTIFIED FINANCIAL PLANNER™ professionals with strong insurance backgrounds who do not sell products.

Comprehensive reviews of existing life insurance, annuities, long-term care insurance or other products
Insurance planning specific to high net worth families and individuals
Self-insuring as a strategy
Advanced life insurance planning
Property and casualty insurance review with our dedicated insurance partners

Investment Management

Investment management can be a complex, time consuming, and emotional experience. Let your executives work beside a team of experts who will help guide, build, and manage diversified, disciplined portfolios designed to meet goals.

The Annex Executive Team along with Annex Wealth Management’s dedicated investment management team delivers the following:

Proactive monitoring of each client’s portfolio
Strategic Rebalancing
Drift Monitoring
Proactive Cash Management
Tax Sensitive Decision Making
Tax Loss Harvesting

Unleash the Power of What's Next

After decades of planning and preparation, Annex Wealth Management has established a way of doing business that promises the same warm, personal, one-on-one interaction to all clients. Using leading-edge technology, analytics and review, our staff of skilled professionals constantly seeks to confidently deliver an elite, full-service wealth management experience.