Albert Bediones
My Mission Statement
My Story and Services
Albert gained valuable experience working for Bank of America, Edward Jones, and Merrill Lynch. He is currently a financial advisor at Morgan Stanley where he services a select group of clients. He provides his clients with valuable resources as well as customized solutions tailored to each individual to help them achieve their life goals while striving for the ultimate goal of a confident retirement. His aim is to help clients accomplish a work-optional lifestyle allowing them the time and resources to pursue what is truly important.
Playing an active role in his community, Albert has been a Rotarian for over 37 years and chairs a selection committee that provides scholarships to deserving college-bound high school seniors while also supporting 14 charity and non-profit organizations. Albert is a member of the Pacific Club where he currently serves on the Membership and Member Relations Committees and previously served on the Budget and Finance Committee. Additionally, he is a member of the Porsche Club of America, The Knights of Columbus, and The Waialae Country Club which boasts a PGA Tour quality golf course where the Sony Open, the first leg on the PGA Tour, is played.
UNDERSTANDING BUSINESS OWNERS
Our experience keeps us attuned to the specific needs of business owners approaching retirement and the many questions succession planning can create:
- Do you want to leave the business to your children?
- Do you have a management team in place that can continue to grow your business?
- Or do you prefer to sell?
We will work with your team to explore the potential consequences of your many options.
Your legacy is about more than finances. It's about the values, people and causes you care about. So, when it comes to legacy planning, we strive to understand what matters to you and how you hope to be remembered. With these insights, we can then work with you and your other advisors to structure a plan for leaving behind a legacy that lasts for generations.
We have learned that most business owners look at their enterprise as an operational lifestyle asset. But as retirement or succession approaches, owners must evolve their view of the enterprise from a working asset into an income stream. Before that can happen, owners must focus on positioning the business for sale, increasing its valuation to maximize the most important liquidity event of their career. As exit planning professionals with deep financial planning and wealth advisory experience, we can help you navigate the often-complicated process of an effective succession by advising on strategies to address areas such as:
- Operational consulting to maintain business profitability
- Balancing the need to minimize taxable income from an individual standpoint while showing sufficient earnings to make the business attractive to buyers
- Developing a proper valuation and suitable buyer for the business by marshalling the advisors that specialize in each part of the exit, which could include corporate attorneys, management consultants and even headhunters
HOLISTIC EXIT PLANNING
We take a holistic view of succession; from the moment a business owner acknowledges the need for a transition. Our role begins in preparation for a liquidity event, continues through the financial transaction and shifts to customized wealth management focused on income generation, longevity and legacy planning strategies once a windfall has been achieved.
- Conduct baseline assessment of business value
- Determine your wealth gap to inform necessary exit value
- Create and execute action plan for valuation improvement
- Decentralize Owner-Dependent Businesses
- Integrate financial and personal needs into preparation
- Assess business regularly to determine whether to grow or sell
- Select best exit option: internal or external
- Internal: Begin transition to family or employees through ESOP or similar buyout strategy
- External: Engage intermediary to market business for sale
- Orient financial planning toward both financial and personal objectives
- Assess tax impact of liquidity event on estate planning
- Determine income needs based on your planned path: full or part-time retirement or a new vocation
- Execute your personal plan
WORKING WITH PROFESSIONAL BUSINESS ADVISORS
We have spent our careers developing relationships with specialist centers of influence in the disciplines of tax, corporate and estate law, insurance and management consulting. An accountant may realize the tax ramifications of a business sale, for instance, but may lack skills such as valuation analysis or how to legally structure a management buyout or third-party acquisition.
FAMILY OFFICE RESOURCES
The Legacy Architects Group helps clients address the full spectrum of complex, multigenerational wealth management issues.
We look forward to learning more about your family needs and how we may be of service to you.
• How much of my wealth do I want my heirs to inherit? At what age?
• How do I create readiness emotionally and intellectually to manage significant family wealth?
• How can I leave a lasting family legacy in my community?
• What are the best ways to reduce transfer taxes, while benefiting family and charity at the same time?
• I've sold a company that gave meaning and purpose to my life. What's next?
• Does my asset allocation make sense given my risk tolerance, and how is my family positioned for any unforeseen life events?
• How can I create income beneficiaries for my wealth while protecting the principal for future growth?
Our Family Office resources include the following:
• Outsourced CIO Platform
• Strategic Estate and Financial Planning
• Wealth Analytics and Solutions
• Manager Selection & Portfolio Construction
• Alternative Investment Portfolio Experience
• Insurance Solutions
• Trust Services
Our work is grounded in providing a range of solutions that include:
• Lifestyle Advisory (Full service resource access)
• Philanthropic Management
• Family Governance & Legacy
• Next Generation Education
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Your unique needs call for specialized care.
Building an effective family office that is aligned with a family's mission and delivers the extensive range of capabilities required involves a series of critical structuring, staffing and strategic measures.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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