FINANCIAL PLANNING

Creative, customized, and often unconventional approaches to identify and accomplish each client's unique financial objectives. Representative components include:

• anticipated lifestyle and accompanying expenses,
• the amount and timing of family and charitable gifts,
• whether to continue employment or business involvement or to "retire", and
• what investment returns and risks to pursue… or accept.

WEALTH TRANSFER

WESPAC Advisors are experts in the broad array of estate planning issues and opportunities, including the use of wills and trusts, optimal forms of property ownership, estate and gift taxes, philanthropy, and strategies for property transfer between spouses and through the generations of the client's family. We work with our clients' attorneys to craft and implement family limited partnerships, family LLC's, stock option transfers, special needs, incentive, and dynasty trusts as appropriate to clients' objectives. In some cases where life insurance is appropriate for survivor support needs and/or estate liquidity, we determine optimal amounts, structure of the insurance portfolio and work with insurance professionals to place needed coverage at least available cost.

RISK MANAGEMENT

WESPAC reviews all risks that clients face…property loss, liability, health, disability … and evaluate how best to manage these exposures. Often, clients are in a position to "self-insure" many of these risks. In other cases, insurance or some other structure to avoid or mitigate the risk is essential. In all cases, we are very experienced in drawing effective conclusions for our clients…from simple insurance to domestic or off-shore creditor protection trusts. Perhaps as important, we have no interest in any particular solution. Our clients can therefore depend on a thoroughly competent and unbiased assessment of their overall risk management needs…a combination very difficult to find anywhere else.

OUR PLANNING PROCESS

WESPAC clients work with two or more members of our wealth management staff, usually including a principal of the firm. In addition, one of our Investment Operations Specialists is assigned to serve each client to facilitate all aspects of investment account administration. Through a series of meetings, we develop a clear understanding of our client's objectives and create a comprehensive plan of personal wealth strategies to achieve those objectives. Our client's goals and the priorities among them drive the entire wealth management process.

INVESTMENT PHILOSOPHY

Substantial wealth is created through successful participation in global economic activity…over the long-term. WESPAC manages client's portfolios to harness the wealth creating power of global capital markets to deliver consistent, inexpensive, tax-efficient investment returns. In public markets, we use both passive and active strategies with carefully selected individual securities leveraging technical and fundamental attributes in our suite of portfolios. This permits us to deploy whatever tolerance for expenses and appetite for risk our clients may have in developing their investment opportunities.

Consequently, WESPAC has built a flexible, aggressive, world-class investment platform designed to generate superior, risk-adjusted, after-tax returns to achieve each client's financial goals. Employing true open architecture, we apply objective analysis to source, evaluate, and select "best in class" investments, wherever they may be found.

Institutional Discipline but Individual Perspective. We thoroughly employ all the rigor of institutional manager selection and performance monitoring and analysis. However, since our clients are individuals, our investment strategies can reflect the decades, or even multi-generational investment time horizons that institutional fiduciaries may need to adopt.

Consequently, WESPAC clients usually develop investment plans that appropriately expect results that are superior to those of institutionally benchmarked portfolios.

Risk Tolerance as a Derived Conclusion, Not an a priority Input. Clients' risk tolerance should be the result of the level of return necessary to achieve clients' objectives. WESPAC clients, making decisions about their own money and strategy, are thus free to properly accept levels of risk that institutional fiduciaries would rarely accept.