SERVICE OFFERINGS
INVESTMENT ADVISORY
SunPillar does not manage portfolios or hold client assets. Instead its advice is intended to allow clients to manage their own portfolio. Buy and hold strategies consistent with client’s risk profile and time horizon are emphasized. Low cost diversified investments including mutual funds and ETFs with low turnover are often recommended to reduce costs with the objective of improved long term after tax returns. SunPillar's recommendations consider the client’s discretionary cash flow, post employment requirements, age, income, tax status, risk tolerance/aversion and other factors. For a detailed discussion please see “Investment Philosophy” window on main menu. Investing in securities involves a risk of loss that clients should be prepared to bear.
FINANCIAL PLANNING & FINANCIAL ADVISORY
- Budgetary Analysis and Forecasting. Analysis of income, expenses, assets and liabilities with projection of future financial performance based upon discussion with and input from client. A detailed proprietary model helps clients more clearly understand their existing financial profile. By identifying areas for improvement (e.g. income enhancement, expense reduction, debt reduction) we can project how these changes may directly impact the client’s future financial profile. Due to changing personal financial circumstances and market conditions it is not possible to precisely forecast future financial performance.
- Retirement Planning. Assist clients in evaluating their unique retirement needs and constructing and implementing an appropriate savings and investment plan.
- Debt Consulting. Assist clients in refinancing, reducing and/or consolidating debt with the objective of reducing interest payments and potentially improving credit score. Assist with evaluation of new mortgages and other loan products.
- Insurance Advice. Insurance helps manages risk and there are a number of insurance products that can play an important role in financial planning (e.g. auto, health, homeowner’s and term life insurance). However, some insurance product are less of a risk management tool and more of an investment vehicle. Due to high commissions, counterparty risk, potential restrictions and other issues the client may better served by purchasing traditional securities that are expected to produce similar or superior cash flows while providing greater transparency.
- Residential Real Estate Advisory. A client’s real estate holdings, including their primary home, may be their most valuable asset. Is it the right time to buy or sell, rent or lease? Should you use a broker and if so how do you choose? What is an appropriate marketing strategy? What are other considerations, including taxes? Our advice will include a cash flow analysis and is tailored for the client’s unique circumstances.
- Estates, Taxes and Trusts. Whenever possible clients will be referred to another member of the experienced Columbia MBA alumni network that are specialists and experts in these fields to assure the highest level of service. SunPillar does not collect a fee or receive any compensation for these referrals.
- Security Valuation. Security specific valuation may be appropriate for clients’ considering divesting or purchasing large holdings of a given company. All classes of securities can be analyzed and evaluated including: common stock, preferred stock, secured debt, debentures, options, warrants.
SMALL BUSINESS ADVISORY
- Private Company Valuation. Both for the investor and the owner seeking to sell or raise capital. Assist with the financial due diligence process as required. Careful review and analysis of company financials and other due diligence documents. Recommend pricing/sizing of debt, equity, options and/or other securities. Assist in negotiations if requested.
- Small Business Consulting. Are you comfortable with the level and trend of your company’s performance? Do you know the true costs and profit of each product and service? Looking for ideas to enhance profitability? Considering the sale of your property, but unclear what steps can be taken before the sale to best position you company. Are you a buyer but do not know how to structure your offer? You might find the business broker having difficulty with these issues or that their compensation is not necessarily aligned with your objectives. There is no licensing requirement for business brokers in New York (unless they sell real estate). Business brokers may not provide appropriate records, prepare pitch books, or provide sufficient information for buyers to make an educated purchasing decision. The common effects: transactions may never close or the process takes an excessive amount of time; the seller may be forced to settle for a price that is markedly below the asking price and intrinsic value of the business.
CONTACT US:
SunPillar Financial Advisors LLC
(p) 646-285-3493; (f) 917-522-9648
steve@sunpillarfinancialadvisors.com
(p) 646-285-3493; (f) 917-522-9648
steve@sunpillarfinancialadvisors.com