ENTREPRENEURS

The Mestern Group specializes in addressing entrepreneurs' distinct financial needs. Whether you are a high-growth founder, local business owner, or a diversified serial entrepreneur, we can add value for you.

 

Tailored Services for Entrepreneurs

1. Comprehensive evaluation of your financial situation: We thoroughly evaluate how your personal net worth, and the value of your share in your business affect your current and future financial situation.

2. Network Effect: We leverage our extensive network of capital providers, banking solution professionals, estate planning specialists, succession and exit planning professionals, and wealth management advisors. This ensures that you have access to a wide range of expertise, creating a foundational support system for you and your business.

3. Collaborative Approach: We collaborate closely with your accountant, lawyer, and other advisors to create a strong support framework for your business’ growth. This teamwork ensures that every aspect of your financial situation is addressed in a unified manner.

4. Exit Planning: We provide comprehensive plans that project what a future exit will look like for your personal financial situation. Based on these assumptions, we can provide advice on how to structure your ownership to mitigate the future tax consequence of the liquidity event. We will also model optimal investing strategies for the capital after the exit.

5. Investment Management: We create investment strategies that maximize after-tax returns, helping you diversify your assets beyond your business. Our investment management services are tailored to enhance the stability of your financial growth, while being thoughtful regarding the tax consequences of those investments.

6. Estate/Legacy Solutions: We provide advice on how to efficiently transfer wealth to the next generation, which increases in importance when corporate assets are involved. This generally includes an insurance needs analysis, which will detail how insurance can be used as an asset class in your investment portfolio.

7. Retirement Planning: Our planning focuses on the growth needed from investments, and level of savings needed in the accumulation phase in order for you to retire comfortably. Our post-retirement investing solutions focus on income generation, ensuring you have the cash flow you need for your desired lifestyle.

8. Systematic Communication: We maintain minimum quarterly communication with all our client households to ensure that they understand our processes and that we remain aligned with their goals. Transparency and effective communication are the most important part of our business.

 

We are dedicated to guiding you through the complexities of entrepreneurship with confidence. Partner with us to enhance your business value, ensure a smooth transition once your entrepreneurial journey ends, and to achieve your wealth-related goals. Reach out to us to discover how we can support your journey.

The Mestern Group understands the distinct financial needs of incorporated professionals. Whether you are a dentist, physician, lawyer, or any other incorporated professional, our holistic services are designed to help you manage your wealth both personally and within your corporation.

 

Tailored Services for Incorporated Professionals

1. Comprehensive Wealth Planning: We integrate all your assets, both personal and corporate, to provide a comprehensive wealth plan. This plan will identify opportunities for wealth optimization and serves as the foundation of our relationship with you.

2. Corporate Investment Strategies: We maximize the benefits of wealth accumulation within your corporation with tax-efficient investment strategies. Corporate passive investment returns are taxable around 50%. It is important to be cognizant of that when devising the investment strategy.

3. Collaborative Approach: We collaborate closely with your accountant, lawyer, and other advisors to create a strong support framework for your business’ growth. This teamwork ensures that every aspect of your financial situation is addressed in a unified manner.

4. Insurance Solutions: We help you mitigate growing deferred tax liabilities in your corporate and personal investments with tailored insurance solutions. We also use insurance as a diversified portfolio, which can act as a fixed income investment replacement and is payable (tax-free) directly to the policy beneficiaries at death.

5. Intergenerational Wealth Transfer: We plan for efficient intergenerational wealth transfer, considering both personal and corporate assets. We ensure your legacy is preserved, and your wealth is transferred smoothly to, and used properly by, the next generation.

6. Systematic Communication: We maintain minimum quarterly communication with all our client households to ensure that they understand our processes and that we remain aligned with their goals. Transparency and effective communication are the most important parts of our business.

 

At the Mestern Group, we are committed to helping incorporated professionals navigate their complex wealth management needs with confidence. Contact us today to learn how we can support your journey.

multi-generational families

The Mestern Group specializes in addressing the unique financial needs of multi-generational families. We are currently working with the third generation of some client households. Our holistic services are designed to manage and grow your family's wealth while preparing younger generations to responsibly inherit and sustain it.

 

Tailored Services for Multi-Generational Families

1. Comprehensive Wealth Planning: We integrate all of your family's assets into a cohesive wealth plan. We develop bespoke strategies that cater to your family's unique financial dynamics, goals, and values.
2. Intergenerational Wealth Transfer: We plan for efficient transfer of wealth between generations to minimize tax liabilities and preserve family wealth. We ensure your legacy is preserved and your wealth is transferred smoothly to, and used properly by, the next generation.
3. Education for Younger Generations: We equip the younger members of your family with the knowledge and skills they need to manage and grow their personal net worth, and their inherited assets once you are no longer with us. We also provide education on what it entails to be a power of attorney (POA) if the older generation becomes incapacitated, and will provide support if their services are required as an executor. 
4. Insurance Solutions: These are a key component of tax-efficiency in the transfer of assets from one generation to the next. Through our insurance needs analysis, we identify potential risks and liabilities within your financial structure. Where it makes sense, we will then suggest strategic insurance solutions to safeguard your family's wealth.
5. Investment Management: We provide continuous tactical investment management services that adapt to the prevailing market conditions, and to your family's evolving needs 
6. Tax Optimization Strategies: We develop and implement strategies that minimize your family's tax burden and maximize wealth retention. This is possible by using your holistic wealth plan as the foundation. It is implemented through coordinating with your trusted tax advisor(s), and investing in the most tax-optimal way across your registered and non-registered accounts. 
7. Systematic Communication: We maintain minimum quarterly communication with all our client households to ensure that they understand our processes and that we remain aligned with their goals. Transparency and effective communication are the most important part of our business.

 

We are committed to helping multi-generational families navigate the complexities of wealth management with confidence. Let us partner with you to preserve and grow your family wealth, and ensure a smooth transition of that wealth to the next generation. Contact us today to learn how we can support your family’s financial journey.