MEMBER FIRMS

Our Services

What We Do Best

We don’t believe you have to give up quality in exchange for convenience. Our model allows you to have both.

Financial Planning

Know Where You’re Going

At The A.I.D. Group, we take the time to sit with our clients to discuss each aspect of their financial life. We will provide a comprehensive financial plan which includes analysis of a client’s personal finances along with their current financial position.

Investment Management

We provide a detailed risk tolerance assessment for our clients to complete. Upon evaluating the results of this assessment and then discussing the importance of proper asset diversification and tax sensitivity with our clients, we will proceed to appropriately allocate their investment dollars. We will continually monitor the level of concentration, diversification and appropriateness of the portfolio as regular life changes occur and make recommendations accordingly. We use the latest technology and alerts to address and rebalance portfolios as needed to ensure that they stay within acceptable risk limits.

Retirement Planning
We utilize state-of-the-art software to help project both retirement income and costs. From this we will develop a plan that optimizes the likelihood for our clients to enjoy their retirement years. This plan can include maximizing various retirement accounts, stress testing the portfolio for unexpected downturns and discuss those options that will help maximize social security benefits.
INSURANCE NEEDS ANALYSIS

We along with our strategically aligned CPA and P&C Insurance partner firms will review insurance and risk mitigation strategies. We make recommendations on no less than a yearly basis based on the results of our formalized personal and professional insurance audit process.

DEBT MANAGEMENT

We review the outstanding debt ranging from credit card to mortgage and everything in between. We analyze various factors and work with clients to develop a plan to most effectively manage this debt by using various debt reduction alternatives.

CASH FLOW PLANNING

We understand that proper cash flow management is essential for family households as well as businesses. Our focus on cash flow planning involves forecasting not only months but years ahead to make sure you have enough cash on hand to handle both reoccurring and unexpected expenses. While cash flow planning can’t give you a foolproof long-term plan, it plays a pivotal role in helping you stay on track financially for the future.

ESTATE NEEDS ANALYSIS

We provide an overview for each individual, family and multi-generational estate planning needs. Along with a team approach when necessary to include their attorney, banker and CPA, we can address the need for a Will, Living Will, Trust, POA, Health Care Directive, Life Insurance, ILIT, etc.

EDUCATION PLANNING

We evaluate the amount of education funds that may be needed based on projected costs of higher education, what type of school may be desired and the alternative funding vehicles available. We also evaluate available tax features and opportunities for scholarships and grants, along with the potential need for financial aid and school loan options.

TAX PLANNING

While we do have tax experts on staff that include Chartered Financial Consultants, Certified Financial Planners and CPA’s, we do not provide traditional tax and accounting services. As financial planners, we utilize our expertise to assist in the projections of current and future client income, gift, capital gains and estate planning needs. We help manage our clients’ investments and retirement savings accounts based upon each client’s specific situation. We can do this through the use of various strategies and investment vehicles that include, but are not limited to, Municipal Bonds, Tax Deferred Instruments, Mutual Funds, REIT’s, Tax Loss Utilization, IRAs, Roth IRAs, Pensions, PSP’s, 401(k) and various other tax strategies.

BUSINESS SUCCESSION

Business succession planning refers to the practice of using various concepts, strategies and/or financial vehicles to increase the chances for the survival of usually a family business, when one or more of the business owners retires, becomes disabled or dies unexpectedly. We help to address such issues as who within the family or company has the capability to run the business, will the loss of an owner eliminate much-needed cash or cash flow, how will the family of the exiting shareholder insure that they will be fairly compensated for their ownership stake in the business and how should this be designed in order to most efficiently mitigate the various tax ramifications of the succession? Most of these questions can be answered with a well-prepared Buy-Sell Agreement. The most important aspect of Business Succession Planning is for the owners to become convinced that they need to take proactive planning steps, or understand that their family business will likely disappear. We will methodically spell out the differences between the “do nothing approach” and implementation of a well thought out approach.

Our Process

How It Works

IDENTIFY YOUR GOALS

We start by helping you priorititze what’s most important to you and your family.

GET ORGANIZED

Next, we provide you with your own personal financial website.

GAP ANALYSIS

We compare where you are now to where you want to be in the future.

TAKE ACTION

We implement our recommendations, and stay with you every step of the way.

CLIENT RISK AND TOLERANCE OBJECTIVES

We start by having a client complete a thorough financial planning questionnaire to quantitatively pinpoint their respective risk tolerance. This portion of the questionnaire identifies the investment risk a client is willing to accept. Having this information provides us the required information needed to move forward from this step.

OBJECTIVE PORTFOLIO CREATION

We exercise our core value of providing objective advice and investment selections that are based on our clients’ needs. We examine a wide range of potential investments to identify what products will best create a portfolio that reflects this. Primary screening includes but is not limited to manager quality, fees, and tax efficiency.

IMPLEMENTATION

Once the proper allocation and account placement is selected, we utilize the latest technology to begin our starting portfolio discussion. Upon agreement of all the potential fees, risk factors and projections, we begin the portfolio implementation process. Going forward we utilize technology that monitors the weightings and alerts us to potential rebalancing opportunities and potential tax harvesting opportunities. Regular oversight ensures that the portfolio risk remains in balance with the identified client risk acceptance.

MONITORING AND ANNUAL REVIEW

Portfolios are consistently monitored throughout the client-advisor relationship. We require at minimum an annual review to re-evaluate risk tolerance, any life changes or any life goal changes (check out our annual review video above).  We reflect any changes in the profile with a portfolio adjustment proposal and examine the effects of the changes on a tax basis, cost basis, and potential expected return and yield basis.

Investment Management

Steps To Get You “There”

Our approach is to properly assess a client’s risk tolerance, create a custom allocation model that reflects the client’s objectives and tolerance, manage the portfolio in a cost and tax efficient manner and finally re-examine and adjust the model as a client needs or expectations shift.

Investment Management

Steps To Get You “There”

Our approach is to properly assess a client’s risk tolerance, create a custom allocation model that reflects the client’s objectives and tolerance, manage the portfolio in a cost and tax efficient manner and finally re-examine and adjust the model as a client needs or expectations shift.
CLIENT RISK AND TOLERANCE OBJECTIVES
We start by having a client complete a thorough financial planning questionnaire to quantitatively pinpoint their respective risk tolerance. This portion of the questionnaire identifies the investment risk a client is willing to accept. Having this information provides us the required information needed to move forward from this step.
OBJECTIVE PORTFOLIO CREATION

As a full service independent financial services firm, we will exercise our core value of providing objective advice and investment selections that are based on our client’s needs. We examine a wide range of potential investments to identify what products will best create a portfolio that reflects this. Primary screening includes but is not limited to manager quality, fees, and tax efficiency.

IMPLEMENTATION

Once the proper allocation and account placement is selected, we utilize the latest technology to begin our starting portfolio discussion. Upon agreement of all the potential fees, risk factors and projections, we begin the portfolio implementation process. Going forward we utilize technology that monitors the weightings and alerts us to potential rebalancing opportunities and potential tax harvesting opportunities. Regular oversight ensures that the portfolio risk remains in balance with the identified client risk acceptance.

MONITORING AND ANNUAL REVIEW

Portfolios are consistently monitored throughout the client-advisor relationship. We require at minimum an annual review to re-evaluate risk tolerance, any life changes or any life goal changes (check out our annual review video above).  We reflect any changes in the profile with a portfolio adjustment proposal and examine the effects of the changes on a tax basis, cost basis, and potential expected return and yield basis.

A Firm Commitment

Why Sacrifice?

At The A.I.D. Group, our advisors have the experience, credentials and commitment necessary to work with high net worth families, businesses and those individuals that financially may not be “there” yet, but want to work with those that are most qualified to get them “there”. A commitment we have been practicing for over 30 years.

Life Happens, Things Change

The Importance Of An Annual Review

Often overlooked, a client’s annual financial checkup is indeed the most significant aspect of the financial planning process. Our comprehensive annual reviews allow us the opportunity to measure a client’s progress against their plan of action. We will examine the many changes that typically occur any given 12-month period – the birth of a child, the death of a loved one, the loss of a job, a major purchase – and then readjust a client’s financial plan, charting a new course if need be or further affirming their progress towards their personal financial goal achievement.

Get In Touch

2101 NW Corporate Blvd, Suite 211
Boca Raton, FL 33431
888.667.4750
info@theaidgrp.com

© 2023 A.I.D. Wealth Management, All rights reserved.

Securities and Investment Advisory Services offered through A.G.P. / Alliance Global Partners, Member of FINRA | SIPC, a Registered Investment Adviser. Neither A.G.P nor any of its affiliates provide legal, tax or accounting advice.

Investing always involves risk; no investment is protected against loss. Past performance does not indicate future results. Diversification does not ensure a profit or protect against declining markets. Consider your investment objectives before investing.

The A.I.D. Group is not a registered broker-dealer. The A.I.D. Group and AGP are independent and not affiliated entities.

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Business Continuity Planning Summary & Disclosure

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The CLU® and ChFC(R) marks are the property of The American College, which reserves sole rights to its use, and is used by permission.