Broker Check
Martin F. Lowenthal, AEP®, MSIM, CLU®, ChFC®, RICP®, CLTC

Martin F. Lowenthal, AEP®MSIM, CLU®, ChFC®, RICP®, CLTC

You cannot asset allocate away longevity risk!

I practice rules, outcomes and evidence-based planning rather than the buy, hold, reinvest and hope method. I believe in Human Life Value and full replacement.

I bring 30 years of experience and education to business owners, wealth creators, C-suite executives and pre-retirees, helping them understand the risks present on their balance sheets and then guide them to their desired outcomes using uncommon and non-traditional strategies. The results I am aiming for is less risk, more certainty, tax optimization, asset spend down with full legacy and replacement for future generations. 

I help with the following concepts:
-Risk transfer
-Tax optimization
-Business succession
-Estate equalization
-Longevity hedging and asset spend down rather than living off income only
-Full legacy replacement after full consumption of assets in retirement.
-Executive benefits and retention
-RSU, ISO and other stock-based comp strategies
-ROR rather than ROR. Rate of recapture rather than rate of return
-ROS rather than ROR. Rate of savings rather than rate of return.
-Income protection
-Health care cost mitigation
-Income protection
-Wealth management
-Guaranteed income for life that can never run out

If you are concerned about how your plan is performing, let's meet to chat about concepts and strategies you may not be aware of.

 

 

 

Registered Representative and Financial Advisor of Park Avenue Securities, Financial Representative of Guardian