The investment advisory practice was originally created to provide an ancillary service for a select group of families and private trusts for the clients of Satty, Levine & Ciacco, CPAs, P.C.  However, today the practice has grown to encompass clients from a diverse background and all levels of wealth accumulation.  Our clients have long realized that utilizing the services of a proprietary broker or investment manager may not be in their best interest.  Although they may have relationships with large banks and brokerage firms to custody their assets, they understand the importance of having an independent expert oversee the prudent management and oversight of their assets.  

An average portfolio of well balanced investments typically includes several asset classes or categories as follows:

• Large Cap Growth & Value Stocks
• Mid Cap Growth & Value Stocks
• Small Cap Growth & Value Stocks
• International Stocks
• Emerging Market Stocks
• Short, Intermediate and Long Term Bonds
• International and High Yield Bonds
• Precious Metals
• Alternative Investments
• Private Equity
• Cash Equivalents
• Hedge Funds
• Venture Capital
• Real Estate Investments
• Art Work

Creating the proper asset allocation and deciding how much to invest within each category is one of the most crucial decisions an Individual Investor or Trustee can make.  The allocation of your assets helps determine the level of risk and return to be expected.  The need for an unbiased advisor with an intimate understanding of all your financial affairs is crucial in determining how to allocate your assets to meet your goals. 

There are a multitude of options available to those families who have their wealth concentrated in either a single stock holding or a group of holdings.  Because of our independence we are not beholden to any proprietary solutions as are most large institutions.  We will independently review your current situation, assess your goals and establish a customized plan. 

Solutions may include the use of sophisticated options, strategies and hedging techniques such as:

• Zero Premium Collars 
• Variable Pre-Paid Forward Sales
• Active Covered Call Option Writing
• Planned Tax Efficient Sales
• Exchange Funds
• Hedge Funds
• Charitable Disposal Techniques
• Charitable Trusts
• Donor Advised Funds
• Private Foundations

The proper design and implementation of a company's retirement plan is critical in today's changing economic environment.  Our planning and design team can create a customized plan document suited to your needs.  Whether you need a Defined Benefit Pension Plan, Profit Sharing Plan, Money Purchase Pension Plan, Hybrid Plan or so on, our clients utilize our expertise because the traditional Prototype Plan offered by large institutions does not effectively achieve their goals and maximize their pre-tax contributions. 

In addition, rising health care costs and group health benefits are a primary concern of our business clients.  We can analyze all group benefits including Medical, Dental, Disability, Life and Supplemental Insurance and provide viable unbiased solutions. 

Most of our clients are eligible to contribute much more in to their retirement plan and receive a significant tax reduction. 

There is a clear increase in the number of lawsuits against Trustees in the private sector with the primary reason being "Breach of Fiduciary Duty". 

A Fiduciary is anyone who exercises discretionary authority regarding the management and administration of a retirement plan or trust and its assets.  A Trustee has a fiduciary duty and stands in a special relationship of Trust, Confidence and Responsibility. 

Unfortunately, many fiduciaries struggle to understand the exact nature of their responsibilities, the extent of their personal liability and how to comply with government regulations. 

Pivotal Planning Group has helped Trustees, Board Members and Investment Committee Members by educating them on their Fiduciary Duties and providing them with the systems and tools necessary to meet their responsibilities.  We assist Trustees, Boards and Investment Committee Members by implementing and monitoring a Fiduciary Quality Management System.  This process consists of 22 Best Practices as prescribed by law under a Comprehensive Four Step Program.  It is intended to uncover Fiduciary Non-Compliance and Liability issues and provide the framework for a disciplined investment process.  All 22 Best Practices are substantiated by legislation, case law, and or regulatory opinion letters form ERISA, UPIA, UPMIFA and MPERS.