Our Services
Financial Planning & Investment Management
At Empire State Asset Management, LLC we believe that no amount of education or experience can take the place of compassion and integrity. Which is why for over 29 years our success has been a direct result of our focus on building personal connections and lasting relationships. Throughout these years, it has been both humbling and gratifying to have had the opportunity to counsel individuals and families from all walks of life. It is this diversity that has provided us with a unique perspective of the needs of our community. Whether you are preparing for retirement, saving for a child’s education, focused on leaving a lasting legacy, our teams mission is to help you achieve the financial well-being you are seeking.
Who We Help
- Individuals
- Married Couples
- Divorced and Widowed Individuals
- Generations of Families and Extended Family
- Business Owners
BRONZE PACKAGE
Wealth Builder Management
Personalized Needs Analysis
Goals and Objective Implementation and Review
Budget and Cashflow Analysis
Risk Tolerance Assessment
Annual Rebalancing
Life, Disability and Long-Term Care Insurance Review
Mortgage Analysis/ Home Buyer Education
Student Loan and Consumer Debt Analysis
Tax-Loss Harvesting
One Annual Review (Call)
SILVER PACKAGE
Investment Management
Includes all Services from the Bronze Package plus:
Goals-Based Financial Plan
Investment Management Agreement
Overall Net Worth Analysis
Cash Flow and Budget Review
Asset Allocation Review*
Portfolio Re-Balancing**
Tax and Cost-Bases Reporting
Employee Benefits Review
End of Year Tax Planning and Review
Quarterly Performance Analysis/ Report
Required Minimum Distribution Management
Comprehensive Insurance Review
401k/403b/457 Plan Review
GOLD PACKAGE
Financial Planning
Includes all Services from the Bronze and Silver Packages plus:
Cash Flow-Based Financial Planning
Online Client Portal Including:
- Secure Document Vault
- Consolidated Account Aggregation Including Outside Investments and Bank Reporting
- Real-Time Client Net Worth and Balance Sheet Reporting
- Riskalzye Risk Tolerance Software
Business Balance Sheet Review and Analysis
Retirement Needs Analysis
Income Distribution Strategies
Education Planning and Funding
Comprehensive Insurance Planning
Estate Planning Services
401k/403b/457 Plan Review and Rebalance Recommendations
Social Security Analysis Review and Planning
DIAMOND PACKAGE
Complete Wealth Management
Includes all Services from the Bronze, Silver and Gold Packages plus:
Comprehensive Integrative Financial Planning
Charitable Giving Tax Strategies
Trust Creation and Asset Integration
Tax-Optimized Investing and Giving
Executive Compensation Planning For:
- Deferred Compensation
- Stock Options
- Concentrated Portfolios
Strategic Planning for Wealth Conservation
Business Financial Planning
Annual Financial Plan Updates
Qualified Retirement Account Contribution Strategies
Wealth Transfer Planning and Strategies
Diamond Level Business Services for Business Owners Available.
* Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.
** Re-balancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional.
| Client Communication | Bronze | Silver | Gold | Diamond |
|---|---|---|---|---|
| Annual Progress Review with Advisor | Phone Call | In-Person | In-Person | In-Person |
| Progress Update | Phone every 12 Months | Phone every 6 Months | In-Person every 6 Months | In-Person every 3 Months |
| Incoming Call Response Time | 24 Hours | 12 Hours | 4 Hours | 2 Hours |
| Education | Bronze | Silver | Gold | Diamond |
| Financial Plan | Life-Stage | Goals-Based | Goals-Based & Cash Flow-Based | Comprehensive Integrative |
| Family Meeting | – | – | – | Yes |
| Quarterly Newsletter | Yes | Yes | Yes | Yes |
| Quarterly Economic Update | Yes | Yes | Yes | Yes |
| Client Portal Access & Training | – | – | Yes | Yes |
| Invitation to Strategist Meetings | – | – | Yes | Yes |
| Planning Resources | Bronze | Silver | Gold | Diamond |
| 401k/403b/457 Plan Review | – | Yes | Yes | Yes |
| 401k/403b/457 Plan Rebalance | – | – | Yes | Yes |
| Social Security Planning & Review | – | Yes | Yes | Yes |
| Social Security Strategy | – | – | – | Yes |
| Risk Tolerance Management & Riskalyze | – | – | Yes | Yes |
| Medicare Gap Analysis | – | – | Yes | Yes |
