August 27th, 2018 — Brickell, Miami, FL

#Ketogenic Diet #Fitness Goals # Financial Goals # Financial Plans

After 10 Years of living a sedentary life style as a financial advisor in corporate firm, I decided to make a change. During this time, I tried to work out, but no matter how hard I worked out, I never saw permanent results that lasted. I tried numerous diets, but nothing that stuck and that I enjoyed. I decided to everything in my life that contributed to this unhealthy lifestyle had to change. I quit my job, became an independent financial advisor, and committed to a rigorous work out regimen. However, these changes didn’t come full circle until I decided to commit to the ketogenic diet. The Ketogenic Diet was designed specifically for me to reduce the amount of my caloric intake, cut out all carbs from my diet, and only eat meals of fats and proteins, which would trick my body into burning fat. The diet combined with a cardio-boxing workout routine was my plan to lose 25 pounds of fat and increase my muscle definition. My goal was to reduce my body fat percentage from 23% to 13%. I retained the advice and services of a nutritionist, my primary care doctor, and personal trainer. I had Dexascan and various blood tests performed to measure my exact body fat percentage and saw a nutritionist to build my ketogenic diet plan. I even bought a specialized meal plan and made sure that I didn’t deviate from my diet and workout plan. While I was in the middle of my plan, I realized that the principles and discipline were the same those that I advocated to my clients to adhere to while investing their life savings.

As I did in the beginning, I accessed where I was with my body fat percentage and took precise and scientific measurements of the current state of my health. With my clients, before I make an investment recommendation, I always organize a financial plan, which accesses their current finances and future goals. Once I had a good understanding of my health and fitness welfare, I created a set of goals and gave myself deadlines and actionable steps to follow to reduce my body percentage and increase my muscle tone and definition. In the same light, once I have a clear understanding of my client’s financial goal and resources, I create a timeframe and a recommendation of the allocation of resources needed to accomplish these goals. (retirement, education, vacation, or legacy goals) I make an assessment of their current investments and isolate key factors of risk that might prevent the client from accomplishing their goals within the selected timeframe. After the assessment is made, I make a recommendation of changes needed to be made to my client’s investment accounts and I create an investment plan, that through stress testing, ensures that my clients will meet their goals successfully. After addressing any issues that my clients my have with the proposed plan and changes to their investments and savings habits, I implement the planned changes. Through various applications and monitoring devices my team of health and fitness professionals continued to monitor my progress and checked in for adjustments to ensure optimal results. Similarly, I create a plan to monitor and rebalance the portfolio within regular intervals to ensure that my clients financial plan is on track to reaching their goals. This process is akin to visiting my nutritionist, primary care doctors, and revisiting my workout plan with my trainer regularly. Before long, my body fat percentage was around 13% and my need for such a drastic change in my diet was no longer the priority and my diet was shifted to regular carbohydrate and protein rations to account for fuel my muscle growth and gain. My entire team of health and wellness professional worked in unison to make the necessary changes to account for the change in my goals and to make sure my fitness and well being were being coordinated with care and precision.

Lesson’s to Be Learned!
1. Everybody should have a team of professionals helping to assess their current circumstance and to help them create a plan to accomplish their goals.
2. Everybody must have actionable steps necessary to accomplish their goals and to benchmark their progress while completing these steps with their team of professionals.
3. Once the goal is accomplished, everybody should maintain the relationship with their team to shift from meeting the goal to maintaining and controlling the circumstance to avoid from digressing away from the results attained by accomplishing the goal.

August 27, 2018 — Brickell, Miami, Florida

#broker #brokerage

What is the difference between a broker and an investment advisor? Compensation. Brokers are compensated as a commission on sale. Advisors are compensated for assets under management. The advisor is compensated to retain and grow assets, not lose them. Brokers are compensated to sell.

What’s an independent advisor? An independent advisor never receives a commission for placing a trade. They’re simply not licensed for that. They act as a fiduciary. While it’s legal to be a broker and an investment advisor, the incentive to make a commission (broker) may be stronger than the incentive to act solely as a fiduciary.

Independent also means that the advisor may recommend securities that are not sponsored by the custodian because they are not in the client’s best interest.

You have the right to inquire whether your financial representative is an advisor or broker, or both. Consider all investment decisions wisely.

Here’s an article explaining it further.

August 25, 2018 — Brickell, Miami, Florida

#restrictedstockunits #RSU

How Restricted Stock units are taxed
Restricted Stock Units

Today were going to be speaking about restricted stock units – RSUs. Restricted stock units are restricted primarily because the employer wants to maintain the employees’ long-term incentive to stay employed. Restricted stock units are restricted from sale to encourage the employee to continue working at the company. When a restricted stock unit becomes unrestricted it is included to the employee is income. RSUs are taxed as ordinary income on your annual income tax return (IRS Form 1040) at the time the time restriction expires. And if you then sell the stock, any gain is either taxed as a short-term or long-term capital gain. If your company stock appreciates in value gains become taxable when you sell the stock. The way that you will know whether you have a short term or long term capital gain is based on the holding period from the date you take possession. Thank you very much and we hope you enjoy this video from anthem advisers. Watch our video on Restricted Stock Units.

August 22nd, 2018 — Brickell, Miami, Florida

#Bull Market #Longest Running Bull Market #Protect

By Alexander Tecle.

Longest Bull Market in History!!

Many market commentators have declared today, August 22, 2018, as the mark of the longest running Bull Market in History!

There is much debate about when exactly the market started its ascent after the Financial Crisis in 2008. Many have stated that tying the bull market run to the bottom of the market on March 9th, 2009 is incorrect and the proper way to measure the start of a bull market is to start from the date at which the market breaches its previous high level. The date of this occurrence would have been February 19th, 2013, which is the date that the S&P 500 surpassed its October 2007 high. Other market analyst argue that the definition of a bull market is arbitrarily decided by market technicians as a period of uninterrupted growth of 20% and are never interrupted by a 20% fall.

These ideas of bull and bear market reflect a consensus of confidence for either a stronger or weaker outlook in the market. There are many articles that dive into the minutiae of discounting intra-day volatility and adding credence to the implications of monetary policy intervention softening the true impact of global geopolitical shocks. I have read numerous articles that attempt to reduce much of the merit of the current “Bull Market Run” because the global economic recovery was spurred on by unprecedented help from the global central banks and we have yet to see a prolonged period of unaided global growth.

Whatever your position, there is very little dispute about the fact that global corporate revenue and profits continue to reach new record levels every day and that general global business sentiment has reached peak levels not seen since before the Financial Crisis of 2008. Nobody knows how much further we have till the bull market ends and we see prolonged value contraction in stock market. After any prolonged period of market growth, it is never a bad idea to start protecting your gains and to be cautiously optimistic about the future. If you would like any assessment on how to start protecting your portfolio, and if necessary how to handle the tax implications of such moves, we are ready and willing to assist all that are in need. Happy August 22nd, 2018 to Us All!!

August 22nd, 2018 — Brickell, Miami, Florida

#FOMO #Cryptocurrency #diversify

By Alexander Tecle.

FOMO!!! The Other Side of Fear of Missing Out!

After a couple of calls with Crypto investors today, I have come to realize that the fear of missing out in investing is a two-way street. Many investors bought cryptocurrencies in 2017 during their meteoric rise and realized much of their losses while the asset class plummeted in a wave of unmatched historic volatility. Few of the late investors held on to their crypto holdings during the great crash starting in Dec 2017. The media dubbed the craze FOMO (Fear of Missing Out) of the insanely high returns realized by the early investors.

Within a few weeks of the market decline, the late investors were out and were traumatized. However, after speaking to some of the early investors in crypto, I realize that there is a different type of FOMO. After an 60-80% decline from the top of the market, some of the early investors are still holding their Cryptocurrency investments and still have gains from their original purchase price.

However, their FOMO is of a different kind! They are holding their investments in Cryptocurrency in the hopes of the world returning back to the craze of the crypto markets that they experienced in 2017. They are holding on to the hope that the cryptocurrency market will never revert below their initial purchase (which is extremely low) and that the demand for crypto currency investments will come back to its insanely high level (Pre-Crash), which will allow them to take the opportunity to cash out of the crypto market, an action that they didn’t take before the crash.

Many of these early investor haven’t even considered the fact that the crypto market could continue it’s decent to being worthless. Their FOMO is one of only considering the obscene profits that they failed to take and would hope that the of the world will buy back in one more time to allow them to take their forgotten profits. I was of one of the late investors and I can tell you with all certainty that you shouldn’t hold your breath for me to buy back into the crypto market. As far as everybody else!! FOMO!!!

August 21, 2018 — Brickell, Miami, Florida

#invest #economiccycle #diversify #etf #dow #nasdaq #retire #assetprotection

By Alexander Tecle.

Investing in Bonds.

In a world of low bond yields, we often hear from investors that they are using stock screeners to look for high-dividend paying stocks. While high quality bond yields are ranging from 2.46%-3.86%, investors are still seeking high dividend paying stocks yielding 5.00% and up. Above 5%, they encounter assets with high income yields such as Master Limited Partnerships MLP’s and Business Development Companies BDCs.

We have found that investors, hungry for higher yield, do not dissect the true nature of the distributions from these companies. Distributions from these types of high income payouts can consist of either dividend payouts of retained earnings or return of capital dividends. A dividend is a taxable distribution of a portion of a company’s earnings, decided by the board of directors, paid to its shareholders. A capital distribution is typically not taxable for shareholders, as it is viewed as a return of the capital that investors paid in.

Capital distributions are not a preferred form of dividend. They often indicate a company is struggling to generate earnings and free cash flow. Investors should be wary of abnormally high dividend yields and should dissect the true nature of the payout–dividend or capital distribution. If an investor is head strong about seeking higher yielding investments, without considering the nature of the payout, they could be investing into an unhealthy company. No good can come from investing in a business with a high distribution payout when the the company is headed to bankruptcy.

Invest. It’s important to invest in an informed manner.  Ensure that you understand your holdings and that they are right for you.

August 20, 2018 — Coconut Grove, Florida

By Alexander Tecle; Topic: Business Cycles

Why is it important to understand the business cycle? Business cycles have been a key to our economy and can be traced back to the 1800’s. A cycle is wave- like rise and fall of economic activity. This touches every aspect of the economy to include employment, production, sales, profits, wages, and credit. Consumer durables and capital goods are cyclical in nature and fluctuate directly with the business cycle. It is usually irregular in intensity and longevity. It is fueled by forces with the economy and by external forces such as war, scientific discoveries, and political movements.

The four phases of the business cycle are: Expansion, Peak, Contraction/Recession, Trough

From Morningstar

The characteristics of each phase of the business cycle are:

(1) Expansion (Moving toward Peak). In general, things are improving! Characterized by: Improving Gross Domestic Product, Rising Interest Rates, Rising Inflation, Unemployment, Decreasing Expansion of Credit Into the Economy.

(2) Peak (Moving toward Contraction). The height of the cycle has been reached. Characterized by: GDP at highest, Inflation and interest rates at highest, Unemployment at lowest.

(3) Contraction/ Recession (Moving toward Trough). Things are on their way back down. Characterized by: GDP slowing, Inflation and interest rates start to decline, Unemployment starts increasing.

(4) Trough: GDP at lowest level, Inflation and interest rates at lowest level, Unemployment at its highest

In Conclusion, it is imperative to understand where we are in the business cycle because certain types of assets perform differently in each part of the cycle. Therefore, there are different types of assets that you can hold that can perform and protect your assets in depending upon the part of the economic cycle we are in. You can create an investment strategy based upon the economic cycle. See an article by Fidelity. For more information on the economic cycle see this article by Morningstar.

Investment Planning Attorney

Investment Management Attorney in South Florida

Consider integrated investment management. Check out Alexander Tecle.

Being a successful investor requires, time, experience, good research, and constant analysis of multiple markets. The problem most people have is a lack of time. You are working, spending time with your family, or just enjoying the time away from work that you do have. These factors are why so many people cannot maximize the potential of their investments. At the law office of Charles Zimmer, our investment management attorneys are constantly and consistently evaluating new investment opportunities such as cryptocurrencies, analyzing the stock and bond markets, and researching new companies to maximize our client’s investments.

Timing is Everything

In the U.S., millions of stocks are traded each day, and each day there are people who do well and people who lose money. The key to yielding profits consistently throughout the year is timing, because most investments hinge on the ability to know when to sell a security and when to buy a security. You need to analyze stocks, the company’s and traders that sell them, review the stock’s performance metrics, and analyze new regulations. Each of these factors affects your bottom line and the trading price of your stocks or bonds.

Actively Diversify

Diversifying your portfolio offers you protection from a certain amount of risk, but when your portfolio is managed daily, weekly, or monthly, you can take diversity to the next level. Frequently diversifying your daily trades and investments allows you to take advantage of daily changes in the market, selling when securities are priced high, and buying when stocks are undervalued.

Evaluate New Investments

In May of 2012, Facebook launched its initial public offering (IPO) at $38 a share. In the beginning, most people were sceptical that Facebook could go on to be a profitable company. As of May of 2018, shares of Facebook’s stock have been trading at up to $144 per share. Initially, no one could have anticipated that Facebook would transform into the corporate giant it has become today.


The story of Facebook’s success demonstrates an important investment lesson. Investors always need to analyze new investment opportunities. If you would have invested in 1,000 shares with FB in 2012, you would have tripled your money today. New companies enter the market every day. Each company should be evaluated based on a number of factors including the financial strength of the company including an analysis of its balance sheets, the business model of the company, and the potential the company has to make money in the future.

Don’t Confine Your Investments to the U.S. Markets

A lot of markets outside of the United States have potential, including the European and Asian markets. However, it is important to exercise caution and to research foreign companies thoroughly. Most people do not invest in these markets, because of the time difference in trading hours. For example, to actively trade in Japanese stock markets you have to be trading from 8 P.M. to 2 A.M. eastern time. However, an experienced investment manager knows that, regardless of the time of day, these markets have untapped potential and thus, should be incorporated into a client’s portfolio.


Our investment management attorneys are dedicated to ensuring that our clients succeed financially. Each day our investment team will evaluate new companies, actively manage your portfolio, and ensure that you are constantly yielding profits from diverse markets. So call our office today to speak with an investment attorney that works for you.


*Authoritative sources:

each day

Diversifying your portfolio

initial public offering

stock markets


Title Tag*:

Experienced Investment Management Attorney | Miami, Florida


Meta Description**:

Experienced investment management attorney practicing in south Florida and specializing in trading and evaluating securities & investment opportunities. Call now for your consultation.


Asset Protection

An Asset Protection Attorney Dedicated to Protecting You.

It is important to plan financially for both good times and bad times. Asset protection is a plan for the times in our life that we would prefer to forget, such as being sued by a creditor or individual. Certain assets are protected from creditors—your retirement savings or home, for example—but due to the laws in place that protect creditors and prohibit certain asset protection practices after a certain period of time, proper asset protection practices need to be carried out by an experienced asset protection attorney with an in-depth understanding of both tax law and civil law.

Exempt Assets

Certain assets are exempt from garnishment or forced sale by creditors. Exempt assets are defined differently in each state’s respective laws. One of the goals of asset protection is to transfer assets to the exempt category within the limits of the law. In Florida, some of the most common exempt assets are homes; cars; retirement plan, like IRAs or Roth IRAs; life insurance policies; and annuity contracts.

Nonexempt Assets

The importance of asset protection strategies is demonstrated by nonexempt assets. All property that does not fall under an exemption can be used by a creditor to satisfy a debt. This includes assets that are not in your possession or are located in another state.

Asset Protection Trusts

The laws of certain states provide some legal mechanisms to protect assets. One of these mechanisms is an asset protection trust (APT). Only certain states have statutes allowing asset protection trusts and each state defines the types of assets that can be placed in these trusts. However, asset protection trusts are an effective way to protect certain assets that might otherwise be nonexempt assets under Florida law.


When you are considering utilizing an asset protection trust, it is important that you work with an asset protection attorney that is knowledgeable about the different states that allow these trusts, the benefits and drawbacks of placing property into an APT, and what types of assets are eligible to be placed in a APT.  


Start Protecting Your Assets as Soon as Possible.

An effective asset protection strategy is implemented well in advance of a claim on assets being filed. If you even suspect that a claim could arise, it is important that you begin the asset protection process as soon as possible.


Each state has laws that prohibit the transfer of nonexempt assets to purposely avoid claims by creditors or diminish claims brought by creditors. In Florida Statute 726.105(1)(a), one type of transfer that could be considered fraudulent is a transfer made “With actual intent to hinder, delay, or defraud any creditor of the debtor”. Creditors have several options they can explore as remedies against fraudulent transfers including seeking judicial relief that would prohibit the transfer to occur and obtaining a lien or judgement against the asset to satisfy the debt.


However, a lot of asset protection techniques hinge on the actual knowledge that you could have a potential debt. So implementing a strategy as soon as possible is an effective approach to protecting your assets.  


Our attorneys have years of practice in the intricacies of asset protection techniques. If you suspect that you could be exposed to potential claims by creditors or lawsuits, call our office to receive a consultation that will protect you in the future.     


*Authoritative sources:

Florida Statute 726.105(1)(a)




Title Tag*:

Asset Protection Lawyer Miami | Miami Asset Protection Lawyer


Meta Description**:

Aggressive asset protection attorney in Miami, FL assisting clients with protecting assets from creditors, lawsuits, and judgements. Contact our office now to start protecting your assets.


Retirement Planning Attorney

Retirement Planning Attorney in Miami, Florida.

Retirement is something we all plan for our entire lives. However, most Americans have only a minimal amount of money saved for retirement, but saving money is only one part of the retirement planning process. Investing wisely can be just as difficult, but when invested properly, your life savings can ensure a happy financially healthy retirement.  

5 Steps to Planning Retirement.  

Determine Your Retirement Age

Although this may seem obvious, to some individuals determining their retirement age can be a difficult process. However, you need to determine, to a certain degree, when you are planning to retire, because your investment strategy will change as you move closer to retirement. Therefore, determining the amount of time you have to invest is the first step in the retirement planning process.

Assess Your Debts  

Homes, businesses, and cars tend to be the primary sources of most people’s debt, but all debts should be taken into account when planning your retirement. As a retiree, you may be living on a fixed income, and to create a thorough retirement plan you need to be able to project how much money you will require per year to live. Having large amounts of outstanding debts can impact your ability to live comfortably during your retirement or worse, force you to come out of retirement to cover your expenses.

Assess Your Income

Disposable income is where retirement savings is generated from, but for some clients, determining their monthly or bi-weekly disposable income can be difficult. To determine this figure, you need to calculate your monthly or bi-weekly net income and deduct from that figure essential expenses such as your mortgage, car payment, groceries, etc. The figure you are left with, after all essential expenses have been deducted, is your disposable income that you use as you see fit. Knowing this figure will allow you to create a comprehensive payment strategy.

Create an Investment Strategy

Once you have assessed your debts and determined your disposable income, you can create an investment strategy. This process begins with commiting to invest a certain amount of your disposable income each month or bi-weekly period. The strength of investing over time lies in taking advantage of compound interest and investing your money at different times in the market.


Some of the most common investments for individuals planning for retirement are an individual retirement account (IRA) or a Roth IRA. Both of these accounts provide certain tax incentives and you can structure both a Roth IRA and a traditional IRA with multiple types of investments.

Modify Your Investments Over Time

As you move closer to retirement, you will need to adjust your investments to minimize your risk exposure. This can involve selling high risk stock and investing low risk stock, putting a certain percentage of your retirement funds in bonds or CDs, or investing in low risk mutual funds, because you do not want to risk incurring a major loss near your retirement age.


Planning for retirement can be confusing and the risks associated with poor investment choices can have long-term consequences. Our team wealth management attorneys can guide you through the retirement planning process by developing strategies to ensure that your retirement plan is implemented to meet your goals and ensure your future success.


*Authoritative sources:

minimal amount

Disposable income

Roth IRA

individual retirement account


Title Tag*:

Retirement Planning Attorney in Miami | Miami Retirement Lawyer


Meta Description**:

Retirement planning attorney in South Florida specializing in the evaluation, structuring, and management of new and existing retirement plans.


Wealth Management Attorney

Wealth Management Attorney in Miami, FL

You have worked hard your entire life. Now what?

Most people have worked hard their entire life for the possessions they have, but only a small percentage of the population rise to a high level financial security. For those who have, managing your wealth ensures that you and your family are financially stable, your children have money for college, your husband or wife is taken care of if something were to happen to you, and your future retirement will become a reality.

As a law firm with attorneys that were previously state prosecutors, our wealth management attorneys know that wealth is not acquired quickly. It is earned through hard work, which is why we pride ourselves on not just providing investment advice but personally assisting our clients with creating a comprehensive wealth management plan that will sustain your current level of wealth and acquire additional assets through calculated investment campaigns.

Assess the Present

When planning investment strategies, it is important that you have a clear understanding of your current financial situation. This includes an evaluation of all of your current assets and their respective performance. As wealth management attorneys, our approach is to personally assist you with a current assessment of your assets, because we know that this is an important step in accomplishing your long-term financial goals.   


Some of the most volatile or risky investments include stocks of all kinds. During your assessment, you need to consider the past performance of the stocks you currently own, the position of the industries those stocks are located in, and the current political and regulatory climate of each industry. Moreover, categorize your stocks according to the level of risk associated with each stock.

Prefered Stock

Preferred stock carries numerous advantages over common stock and could easily be considered to have a minimal amount of risk due to the following factors:

  • Prefered stockholders are usually paid a fixed dividend.
  • Prefered stockholders are paid dividends before common stockholders.
  • Some preferred stock allows the holder to collect dividends in arrears, if a company is struggling and suspends dividend payments.
  • Some preferred stock allows stockholders to have preferential treatment with respect to investment recoupment, if the company is liquidated.

These factors make preferred stock an appealing safe investment with a minimal amount of risk, but preferred stock is only sold to a select amount of investors. Therefore, it is fairly uncommon investment.

Common Stock

Common stock is one the most widespread types investments, but it carries with it certain pros and cons. Common stock can yield high returns through both dividends and appreciation. However, common stocks sold by some companies and within some industries can be extremely volatile due to the current climate of the stock market. This volatility is also affected by the political landscape in the U.S. and around the world.  


Bonds come in many forms. Check out this comprehensive piece on bond investing. Generally speaking, one of the most secure bonds are U.S. Treasury bonds. The reason being, treasury bonds are issued by the U.S. government, and it is generally assumed that the federal government will never be unable to pay its debts. Although all investments carry a certain degree of risk, treasury bonds are the closest thing to a riskless investment. Other bonds include corporate, municipal, and agency bonds.

Bonds can be an appealing investment, because their returns are fixed. From an assessment perspective, a bond’s rating is an important piece of information to have. An experienced wealth management attorney will use this rating to determine the assumed value in the present and in the future of any bonds you own, because ratings are issued on the basis of risk. Lower ratings are given to companies that have an increased risk of a defaulting on a debt. Therefore, careful consideration must be given to each bond type and its rating.

Real Estate

When purchased and used correctly, real estate can be a good short-term and long-term investment that can yield high short-term returns or consistent residual returns. However, as with most investments, good management is a key factor in successful real estate transactions. When assessing the value of your real estate, you need to consider your overall goals for each piece of property. Are you planning on purchasing and re-selling the property for a quick profit? Maybe you want to rent the property to a tenant for long-term residual income. In either situation, an accurate evaluation of your required return on investment and the perceived level of risk will help you determine the value of real estate investments currently in your portfolio and the evaluation of future investment opportunities.


Gold is one the oldest investments known to man. Gold will always hold a certain amount of value regardless of whether or not a company has gone out of business, a government collapses, or new government regulations are put in place, which is part of gold’s appeal as an investment. Although gold prices like other physical commodities can fluctuate, gold’s value consistency is one of the reasons why so many investors have a certain amount of money invested in gold.

Evaluating the Strength of Your Portfolio

A portfolio’s strength can be viewed through many different lenses such as returns, risks, and, one of the most important ways to evaluate a portfolio, diversity. The overall goal of wealth management for most people relies on a common premise, minimizing risks and maximizing returns. One of the most common ways to accomplish this goal is through diversification. Diversifying your portfolio can minimize the amount of overall risk expose you are exposed to.


Diversifying a portfolio is accomplished by investing in multiple companies, industries, types of securities, and types of investments. For example, if you invested $4 in each of two companies, company A and B, suppose company A has a great quarter, and its stock price rises from $4 to $6. Company B has a bad quarter, and its stock price drops from $4 to $3. You as an investor have yielded an overall profit of %12.5 or $1.

I could have invested all of my $8 investment in company B, which would have left me with a 25% or 2$ loss, or I could have invested all of my money in company, which would have yielded a $4 profit. However, it is just as likely that the scenario could be reversed by company A having a bad quarter and company B having a good quarter. By investing in both companies the losses of one company are offset by the gains of another. Although you did not yield the highest return possible, you minimize your risk of incurring a overall loss. This simple example demonstrates the two fundamental goals of diversifying your investments, minimizing your risk and yielding consistent returns.

Mutual Funds

Mutual funds are a type of investment that demonstrate the benefits of diversifications. A mutual fund is comprised of a pool of investors that purchase hundreds of stocks or bonds in multiple types of industries. When you purchase shares of a mutual fund your are not purchasing stock but rather, a share of the fund itself. Shares of mutual funds generate returns through appreciation and capital gains disbursements, but due to the fund’s diverse portfolio, mutual fund shares tend to be less volatile than stocks and maintain a high level of liquidity.   

Plan for Future Success

Our team of wealth management attorneys will assist you with structuring your portfolio maximize the diversity of your investments. This includes evaluating your current investments, the performance of those investments, and their potential for future returns. Active management is the key to your future financial success, and in order to maximize your returns, our attorneys recommend a mixture of investments involving varying levels of risk, some of which you may not be aware of.  

Customizing Your Investment Strategy

Each time a client steps into our office to discuss investment strategies, we take the investor’s goals into account. Everyone is at a different stage in their life cycle, and due to this, each investment strategy is unique. If you are planning on retiring soon, you will most likely not want to consider investments that could be deemed high risk with the possibility of high returns and losses. A younger client might be willing to consider investing in high risk securities. However, both of these clients, regardless of age, require a wealth management strategy that is tailored to their needs and that takes their short-term and long-term goals into account.

Understanding How Your Investments are Taxed

As you invest successfully, it’s important that you obtain a wealth management attorney that understands the complexities of the tax system and how certain assets are taxed. In 2016, the IRS audited almost 1.1 million tax returns, and as a wealth management law firm that specializes in taxes, we have witnessed the financial consequences that a poor tax strategy can incur on an individual’s financial stability. So it is important that you consult with a with a professional that is knowledgeable about how each investment is taxed when considering new and existing investments. Our team of wealth management attorneys give our clients an additional sense of security, because they know that they are working not just with excellent investment professionals but also, tax experts.

*Authoritative sources:

small percentage

risky investments

Common stock



value consistency


1.1 million tax returns

Title Tag*:

Wealth Management Lawyer in Miami | Miami Asset Planning Lawyer

Meta Description**:

Wealth management law firm with attorneys specializing in portfolio evaluation, trading and selling securities, real asset management, and investment planning. Schedule a consultation today.  


1 2 3 4 5 10