Financial Planning

Why Financial Planning

We will guide you through the necessary steps to achieve your financial objectives, regardless of the unexpected events that may arise and taking into consideration your different life stages.

We help you work towards financial security through a personalized approach that will allow you to plan, build, and preserve your capital. Some of our services include:

  • Evaluate your current financial situation
  • Develop a financial plan that could include:
    • investments
    • dependants’ education
    • retirement
    • tax planning
    • risk management
    • estate planning
    • business succession, among others
  • Monitor your financial plan, making adjustments as your goals, circumstances or time frames change
  • Providing practical and effective solutions for complex financial situations
Financial Planning

 

Available Plans

Financial planning is a dynamic and continuous process that takes into account all aspects and factors affecting your life.

Financial Situation

  • Identify your goals
  • Evaluate your assets and liabilities composition
  • Analyze your cash flow and debt management
  • Establish a budget

 

Investments

  • Maximize diversification of current assets to fit your needs and profile as an investor
  • Identify the tax impact of your investment portfolio and develop an efficient strategy
  • Develop an investment policy

 

Children or Dependent’s College Education

  • Project college education costs
  • Evaluate financing alternatives
  • Create efficient investment strategies
  • Explore payment options

 

Retirement

  • Design strategies to accumulate funds for qualified and non-qualified retirement plans
  • Evaluate strategies to mitigate the impact of inflation on the assets available for retirement
  • Anticipate sources of income during your financial independence

 

Tax Planning

  • Identify your tax profile and opportunities for savings
  • Determine a tax efficient business entity
  • Tax analysis on special transactions:
    • retirement plans distribution
    • sale or liquidation of capital assets or a business
    • sources of income from other jurisdictions
    • stock options, and others
  • Evaluate tax impact in the distribution of retirement assets

Risk Management

  • Identify risks that could cause a financial distress and quantify insurance needs, if any
  • Review current policies
  • Design financial and asset-protection strategies through insurance products

 

Estate

  • Design strategies to protect your loved ones
  • Identify possible tax implications on your estate and analyze mitigation alternatives, including donations
  • Review your current succession plan: wills, trusts, and powers of attorney, among others
  • Develop strategies to preserve your capital
  • Align your business succession and personal plan

 

Business Succession

  • Evaluate your current business entity
  • Analyze strategies for the succession or sale of a family business
  • Design a Buy and Sell Agreement or revise an existing one making sure that the expectations of owners or stockholders are met
  • Establish financial strategies that support the Buy and Sell Agreement

Financial Situation

  • Identify your goals
  • Evaluate your assets and liabilities composition
  • Analyze your cash flow and debt management
  • Establish a budget

Investments

  • Maximize diversification of current assets to fit your needs and profile as an investor
  • Identify the tax impact of your investment portfolio and develop an efficient strategy
  • Develop an investment policy

Children or Dependent’s College Education

  • Project college education costs
  • Evaluate financing alternatives
  • Create efficient investment strategies
  • Explore payment options

Retirement

  • Design strategies to accumulate funds for qualified and non-qualified retirement plans
  • Evaluate strategies to mitigate the impact of inflation on the assets available for retirement
  • Anticipate sources of income during your financial independence

Tax Planning

  • Identify your tax profile and opportunities for savings
  • Determine a tax efficient business entity
  • Tax analysis on special transactions:
    • retirement plans distribution
    • sale or liquidation of capital assets or a business
    • sources of income from other jurisdictions
    • stock options, and others
  • Evaluate tax impact in the distribution of retirement assets

Risk Management

  • Identify risks that could cause a financial distress and quantify insurance needs, if any
  • Review current policies
  • Design financial and asset-protection strategies through insurance products

Estate

  • Design strategies to protect your loved ones
  • Identify possible tax implications on your estate and analyze mitigation alternatives, including donations
  • Review your current succession plan: wills, trusts, and powers of attorney, among others
  • Develop strategies to preserve your capital
  • Align your business succession and personal plan

Business Succession

  • Evaluate your current business entity
  • Analyze strategies for the succession or sale of a family business
  • Design a Buy and Sell Agreement or revise an existing one making sure that the expectations of owners or stockholders are met
  • Establish financial strategies that support the Buy and Sell Agreement

 

A Team at your Disposal

To help you accomplish your financial objectives, you will have a team of highly qualified specialists:

  • Certified Financial Planners (CFP®)1,
  • Certified Public Wealth Advisor (CPWA®)2,
  • Certified Investment Management Analysts (CIMA®)3,
  • Certified Public Accountants (CPA) and attorneys at law.

 


The financial plan has a cost and may vary depending on the plan. The suggestions and recommendations included in the financial plan for clients are offered as advice and there is no guarantee of the performance of any insurance or investment product that may be acquired in conformance with these recommendations.

Investment products are not insured by the FDIC, are not deposits or obligations, are not guaranteed by Banco Popular de Puerto Rico or its subsidiaries and/or affiliates. Investment products involve risks, including the possible loss of the invested principal. Insurance products are not FDIC insured, or other government agencies, are not deposits or obligations and are not guaranteed by Banco Popular de Puerto Rico or its subsidiaries or affiliates and may lose value. Banco Popular de Puerto Rico, its subsidiaries and/or affiliates do not provide legal, accounting or tax advice. If legal, accounting or tax assistance is required, the service of a competent professional should be sought.

1 The Certified Financial Planner Board of Standard, Inc. is the owner in the United States of the CFP® Certified Financial Planner trademark, which is granted to individuals who successfully complete the initial and ongoing requirements for certification as established by the CFP Board.

2 Investment Management Consultants Association, Inc. is the owner of the CPWA® Certified Private Wealth Advisor trademark. Its use indicates that the user has completed the initial and subsequent credential requirements for certification.

3 CIMA® Certified Investment Management Analysts is a registered certification mark of the Investment Management Consultants Association, Inc. in the United States of America and worldwide.

 

We can help you attain your financial goals

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