Trusted Advisor Steven P. Margulin, CPA, CFP®, Life Coach provides three levels of service to its clients.

Service Level I

This is the highest level of service, intended for clients with investable assets of $500,000 and above. The following services are offered to you, as appropriate, or as requested by you:
· Coaching you through the preparation of your Financial Road MapTM
· Written Financial Plan
· Yearly Financial Plan updatesMORE...

People who enjoy life and appreciate doing activities that they find meaningful. As a financial delegator, you can free up your time and headspace to, in some of our clients’ words: “take a Mediterranean cruise…decorate our house…explore hobbies…travel when I want…self-actualize…go sailing…experience other cultures …go on a bed and breakfast tour to see the fall leaves…buy an airplane and fly it… spend time with my granddaughter… get an RV and travel…buy fabric and sew. ” … MORE...

Estate planning is the process of providing for the orderly succession and distribution of your assets during your lifetime and after your death. The estate planning process involves:

- Making an inventory of your assets, their value, and the manner in which they are titled.

- Identifying your goals and objectives with respect to the distribution of your estate during your lifetime and after your death.

- Preparing documents such as Wills, Durable… MORE...

Do you know that, by making gifts to charity during your lifetime, you can:

- Increase the value of your estate to pass to your heirs?
- Convert non-income-producing assets into an income stream for you?
- Increase your own income while supporting the causes that matter to you?
- Reduce your income taxes
- Defer and/or avoid capital gains taxes
- Defer current income for later retirement
-… MORE...

How to Live up to Five Years or More For “Free” by implementing our customized, investing and tax-efficient withdrawal strategies

When you are retired, every year you have the same decisions to make: how much money you should withdraw from your investment accounts, and from which type of account you should make the withdrawals. These decisions are every bit as important as selecting the right investments in the first place and every bit as important… MORE...

It’s vital to pass along some of the risk in life by having the right amount and the right type of insurance, including long-term care insurance, life insurance, disability insurance, health insurance, business insurance, and home and auto insurance.

Will your health insurance cover you if you need it while traveling domestically or overseas?

If you have a business, are your assets growing (equipment or inventory) to where you are underinsured in case of… MORE...

“I am proud to be an American. Although I can be just as proud if I paid half as much in taxes.”
—Arthur Godfrey

Steve Margulin, who, in addition to being a financial advisor, is also a CPA with over twenty years of tax preparation experience, says, “I don’t want income taxes to be the tail wagging the dog, but there are certainly ways to structure your transactions to take advantage of the… MORE...

“Each of us has to determine how much risk we are willing to bear in the hope that a desired return will be realized. There’s a wisecrack in the financial planning community: Either you eat well or you sleep well. Eating well takes money, and that means accepting some degree of risk. But risk can bring anxiety of the sort that wakes you up at night.”
—George Kinder—The Seven Stages of Money Maturity

Investing… MORE...