Value-added Services

We offer a variety of value-added services to bring you closer to your financial goals.

Portfolio Analysis

CBI can help you strategize your investment portfolio by performing an in-depth analysis of holdings.

We have access to many investment vehicles and platforms that seek to deliver the strategy and are based on the investment objectives of our clients.


Insurance Analysis

Strategies for protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze risk factors and make objective recommendations to provide you with the confidence you seek.


Qualified Plan Beneficiary Planning

Qualified plans can be tricky compared to most other investment assets when it comes to transferring wealth. In fact, a large portion of qualified plan assets could be subject to taxation upon the death of the account holder, potentially significantly reducing the portion left to the beneficiary(s).

CBI will work with you to review all beneficiary designations and recommend strategies, if warranted, designed to manage the tax impact on your beneficiaries while helping address your goals for those beneficiaries.


Intergenerational Wealth Transfers

Intergenerational wealth planning represents an opportunity to help protect the wealth you have built for generations to come. By including your children and grandchildren in conversations about family values and the significance of the family’s financial assets, we will help you promote your family legacy as we work together to help family members understand your wishes.

Through this process, CBI can help you remain in control of your assets even in illness or after your passing, and clearly communicate your desires to family members. You control how, when and where your money is distributed. This kind of planning is not just about taxes. We put your interests first; then we focus on efficient strategies to pursue them.

Educating young family members about the importance of prudent wealth management is another important component of intergenerational wealth planning. It’s important to help ensure children and grandchildren are prepared to handle an inheritance and understand strategies in place to help manage taxes on inherited assets.

Promote understanding of your family legacy – and encourage respect for the way in which it was created. These conversations build strong foundations, and their impact can be felt for generations.


Multigenerational Education and Meetings

CBI is pleased to offer multigenerational education and family meetings to assist in educating our clients’ children, grandchildren or other designated family members. Topics include, but are not limited to:

  • Basic Money Management
  • Tax Strategies
  • Debt Management
  • Inheritance
  • Retirement Planning
  • Lump Sum Distributions
  • Retirement Income Planning
  • Succession Planning
  • Insurance and Investments
  • Wealth Transfer

These meetings are designed to help family members master both basic and more complex financial topics, provide insight into the management of large estates, and assist in the wealth transfer process, among others.

To schedule an education meeting for your family members, simply Contact Us.


Capital Gain/Loss Analysis

In certain situations, potential tax consequences can be the most important part of your decision to hold or sell a particular asset. Short-term gains are taxed at your highest marginal income tax rate, while long-term gains are taxed at lower long-term capital gains rates.

Therefore, understanding the most favorable time to sell an asset from a tax perspective can be complex. And this holds true whether you are simply rebalancing your portfolio, selling to take a profit, trying to stem further losses, or seeking a higher potential rate of return through an alternate investment.

At CBI, we provide objective advice on the inherent tax consequences for all of these situations by providing a capital gains and loss analysis.


Company Stock Option Analysis

The tax implications associated with exercising stock options are complex and timing is critical to minimizing taxes on gains. A comprehensive analysis of your stock option portfolio can provide the critical information and insight you need as you explore various approaches to making the most of this important aspect of your compensation.

At CBI, we can provide you the insight and objective guidance you need to develop both short-term and long-term stock option strategies.


Mortgage Analysis

We can provide an analysis of your current mortgage(s) to determine if the terms of the loan(s) remain competitive in today’s changing marketplace or if changes are necessary to help you better meet current or future cash flow needs.


Advice on Leasing, Renting or Financing a Home

Since CBI views all decisions in the context of your entire financial picture—not just one or two aspects—we are professionally qualified to help you make important decisions around home ownership and financing solutions. We understand the unique tax implications and benefits as they relate to your individual situation and can help you make the best decision for your circumstances.

CalBay Investments nor LPL Financial provide Mortgage Services.

CalBay  Investments and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation.