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SafeBase

Had enough? Hard work has paid off. Your assets are substantial, but how much do you really need to never worry about money again?

Our Proprietary strategy is working with you to help secure your SafeBase® – the engine which drives your financial independence, helps to assure your lifestyle, provide for inheritance, and allows for the creation of a “societal legacySM .
Legacy Capital Group California’s methodology first seeks to define the amount of capital you need to help secure your lifestyle, net of taxes and inflation, for an enjoyable retirement. The starting point is determining your current lifestyle needs which we then project into the future, factoring in big ticket items, such as college costs, vacation homes, new business ventures or whatever is important for you to have included in your plan. These variables serve as the basis for calculating your SafeBase® capital need.
  • Define
  • Secure
  • Protect

Define

In uncertain times, do you know how to deploy your assets so that the risk of loss is modest without forfeiting the opportunity for growth? Are your investments structured tax-efficiently?

Our SafeBase® process is designed to answer these questions and to put you in a position to determine quickly whether a current or prospective investment is a SafeBase® one. It is our goal to divide your investment capital into two key components – the SafeBase® component and the Opportunity (or Risk) component. Each component serves a separate function and has different risk attributes.

Once you understand which objective (SafeBase® or Opportunity) a particular investment falls into, then allocating your capital amongst the two components allows us to determine whether enough of your capital is deployed in a SafeBase® manner to help you achieve your financial independence. Many of our clients find that they have enough capital to meet their SafeBase® need but do not have enough deployed in SafeBase® investments. In other words, they are taking more risk than they should to meet their long-term lifestyle goals.

Secure

Is there anyone helping you to protect your hard earned gains from the volatility of the markets and the ravages of inflation? Who can you trust for sound ongoing financial advice?

The most difficult part of the SafeBase® process is the protection of your financial independence or “nest egg”. It is sometimes difficult to see where risk is lurking in your portfolio, as the 2000 Bear Market demonstrated. Protecting your SafeBase® capital requires a risk management orientation to your investments.

Not all dollars can have all of the ideal attributes that a client may seek. Obviously, you cannot always get double digit returns, with no tax consequences and no risk. What you can have is a well-constructed portfolio, which seeks first to protect capital, second to produce long-term equity-like returns and third to create some tax benefits.

If taxes cannot be minimized within the investments themselves, then there are many structures that lend themselves to tax advantage. If appropriate for you, we will explore the applicability of such vehicles to your situation but we will never favor tax management above risk management. Everything else being equal, we believe that the benefit of having solid investments far outweighs any savings that might come from a tax managed philosophy.

Protect

LCGC’s commitment has been, and always will be, to secure and protect our clients’ SafeBase® capital – the capital needed to fund your lifestyle, net of inflation and taxes, for the rest of your life. Our planning process lays out clear steps to help you achieve your financial goals. Armed with the knowledge that your SafeBase® is secure, other financial decisions such as new investments, estate planning and gifting become much easier.