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Welcome to Robbins Financial Group

We are a results-oriented firm, and we will deliver creative and effective solutions for our clients in the areas of business, estate, succession, and tax planning. We invite you to explore our website to gain a clearer understanding of our team and the resources we bring to the table.

View our Customer Relationship Summary

If you are viewing this, it's likely because someone you trust recommended you do so. In our mind that confidence speaks volumes more than our professional credentials, licenses, and degrees ever could.

Personal introductions are the exclusive way we grow our business, and we like it that way. Our success is built on long term results that cater to our clientele's specific objectives. We form long term relationships with clients who value family, their peace of mind, minimizing taxes, and consistent asset growth.

With over 90 years of combined financial services experience, our team at RFG is uniquely qualified to operate as a private financial concierge, services successful families and business across the country. As a single resource financial planning firm, we assist our clients with a myriad of issues, often capitalizing on our extensive capital markets expertise and hand selected network of professionals across a variety of disciplines including:

  • Trust and Estate Attorneys
  • Real Estate Attorneys
  • Merger and Acquisition Attorneys
  • Certified Public Accountants
  • Real Estate Development Companies
  • Charitable Advisors
  • Private Equity Firms
  • Customized Executive Solutions
  • Property & Casualty Insurance
  • Health Insurance

"We welcome the opportunity to exceed your expectations and deliver the clarity, confidence, and peace of mind you deserve."

– Donald P Robbins, LUTCF, President Robbins Financial Group LLC.

About Us

We are committed to preserving and broadening the wealth of a select clientele who prioritize family, tax minimization and consistent growth. We're here to be a catalyst in the planning process and develop strong life-long relationships based on knowledge and integrity.

Donald P. Robbins, LUTCF Photo

Donald P. Robbins, LUTCF

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Donald P. Robbins, LUTCF

Donald P. Robbins, LUTCF


Entrepreneurship runs in Donald’s family and is a big reason why he is a financial advisor. After a lifetime of being interested in the financial services industry, he founded Robbins Financial Group, LLC in 2005. As a child, Donald witnessed the bond his father, an entrepreneur, developed with his own advisor and was immediately intrigued with the concept of turning money into more money.

Donald has been helping clients achieve their financial goals and dreams for more than 20 years. He specializes in providing financial services for business owners, athletes and corporate executives. After graduating with an economics degree from Elon University, Donald worked at MetLife and New York Life before joining MassMutual Carolinas. His passion for helping his clients was evident in their loyalty to him when he decided to transition to MassMutual Carolinas. All of his clients transferred with him.

During his two-decade tenure in financial services, Donald has been honored as a 15-time “Advisor of the Year,” a 5 Star Wealth Manager in Charlotte Magazine, Chairman’s Cabinet, Top of the Council and a 2008 Ben Feldman Award recipient. He was also named to the 2016 Million Dollar Round Table’s “Top of the Table,” placing him in the top one percent in sales production of all financial services professionals worldwide. He is a member of MassMutual’s Society 1851, which provides an exclusive network of advanced planning resources for Robbins Financial Group clients.

In his spare time, Donald serves on the Board of Directors for The Heartest Yard and Immerge, volunteers for Habitat for Humanity, is an active member of St. Matthews Catholic Church and is a youth sports coach. He also enjoys lake boating, jet skiing and playing golf at Longview. He lives in Charlotte with his wife and three kids.

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Robert B. Lewis

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Robert B. Lewis

Robert B. Lewis


Since 2009, Robert has been helping his clients navigate life using unique solutions that provide a path to protection of assets and family, as well as retirement and overall financial strategies. As an experienced problem solver, Robert is able to research and help develop solutions to meet the needs of each individual client. His ultimate goal is to build trust with each client through integrity and loyalty.

Robert joined the financial services industry in 2010, and has earned numerous awards, including New York Life's Council Standings, the Life All Star Award, the 2010 and 2011 TAS Agent of the Year for the Charlotte General Office. Robert is also a member of NAIFA and served 2 years on the Charlotte NAIFA Chapter Board.

Prior to his career in the financial services industry, Robert was in the U.S. Air Force for 12 years and has 26 years of progressive experience in foreign and domestic supply chain management. He's had the opportunity to manage requisitions for U.S. Presidential Air Force One and Two, as well as foreign diplomats.

In 2006, Robert relocated from Washington, D.C, to Charlotte, NC, with his wife Adrianne. They have two children, Danielle and David, and Robert has two older sons, Derrick, a paramedic in Boston, and DaVonte, a college student. Robert proudly serves on the board for Family Agriculture Resource Management Services (F.A.R.M.S), is an active member of Hickory Grove Baptist Church, coaches youth boys' basketball, and is a member and former Master of the Prince Hall Free & Accepted Masons, 32nd Degree Mason, Southern Jurisdiction, as well as a Masonic Shriner.

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Edward C. Jordan

Licensed Financial Advisor
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Edward C. Jordan

Edward C. Jordan

Licensed Financial Advisor

The financial services sector has been a lifelong calling for Ned who joined Robbins Financial Group in 2016. He has always had his eye on being a financial advisor as both of his grandfathers and his uncle have been in the investment banking and financial services industry since the 1930s.

While he didn’t start his career in financial services, Ned’s passion and skills enabled him to segue into financial planning. Prior to making the ultimate leap to his dream career and joining Robbins Financial Group, he worked in sales, marketing, strategic planning and client account management for 16 years, including 13 years in the medical device industry.

Ned focuses on investment portfolio oversight, business development and client service. His vision is to help others attain peace of mind and achieve their long-term financial goals, and not be intimidated by or discouraged to address their financial issues and concerns.

He graduated from Loyola University Chicago where he received a Bachelor of Business Administration and played for the Division I men’s soccer team. In his spare time, Ned volunteers with Hands & Feet and American Red Cross and is active with St. Matthews Catholic Church. He also enjoys golf, sporting clay shooting and time with family. He lives in Charlotte with his wife and three kids.

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Chase Austin

Licensed Financial Advisor
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Chase Austin

Chase Austin

Licensed Financial Advisor

Chase literally knocked it out of the park when he began his financial services career in 2014. After three years playing in Major League Baseball, Chase parlayed his experience of working with a financial advisor as a professional athlete to being a financial advisor with Robbins Financial Group.

Chase’s financial advisor was instrumental in helping him manage his signing bonus, so he knew then that when his baseball career was over that he wanted to do the same for others. Following his professional baseball career, Chase was given that opportunity when his financial advisor hired him. Chase joined Robbins Financial Group in 2017 and is responsible for helping his clients achieve their financial goals through unique strategies tailored to their individual needs. He says he is most rewarded when his clients achieve their financial goals.

He attended Elon University where he played baseball and was drafted to MLB as a junior. In his free time, Chase enjoys spending time with his wife and two daughters, playing golf and traveling.

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Adam Taff, ChFC®

Licensed Financial Advisor
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Adam Taff

Adam Taff, ChFC®

Licensed Financial Advisor

Adam Taff is an experienced Financial Advisor based out of Charlotte, NC. His broad knowledge of insurance & investment products, along with his specialized attention and comprehensive financial planning tools, gives his clients the confidence they need when working with a financial advisory. His smart financial strategies are designed to help his clients maximize their wealth and achieve their short-term & long-term goals.

Adam received his Chartered Financial Consultant (ChFC®) designation from the American College of Financial Services, a Master of Business Administration (MBA) from George Mason University, and a B.S. in Nuclear Engineering from the University of Maryland.

Adam currently lives in Charlotte, NC with his wife and their two daughters.

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Bridget McDonald

Director of Operations
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Bridget McDonald

Bridget McDonald

Director of Operations

Bridget is the backbone of Robbins Financial Group. As the Director of Operations, she makes sure the daily operations of the firm run smoothly. She assists our advisors with new business cases from start to finish, services existing business and attends to clients’ requests.

Always good with numbers, seeing and planning all aspects of a project, Bridget became a business management major in college. She received a Bachelor of Arts in Business Management from Belmont Abbey College and a Master of Business Administration from Ashford University. Following college, she entered the banking industry where she worked in the life insurance sector and annuities. She joined Robbins Financial Group in 2016.

Bridget resides in Charlotte, NC and enjoys outdoor activities with her husband and 3 children.

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Thanh Suong Le Nguyen

Licensed Insurance Professional
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Thanh Suong Le Nguyen

Thanh Suong Le Nguyen

Licensed Insurance Professional

Thanh joined the financial services industry in 2012 and joined Robbins Financial Group in January 2017. Thanh obtained Executive Council status in 2012 and 2013 with New York life, and was awarded 2012 TAS Agent of the Year with New York Life.

Thanh received a Bachelor of Art and Design and a minor in Architecture from North Carolina State University in May 2005. In her free time, she enjoys knitting, cooking, and spending time with her son Sean.

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Linda Danner

Licensed Service Assistant
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Linda Danner

Linda Danner

Licensed Service Assistant

Linda Danner has been in the financial business for 35+ years working with New York Life top agents. She was the executive assistant for the former council president Alex Josephs. Linda oversaw all the operations for Alex Josephs working with Barry, Evans, Josephs & Snipes. She has been working for Robbins Financial Group since 2008. Linda is licensed in the state of North Carolina for life and health insurance.

*The Million Dollar Round Table(MDRT), the Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

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Kevin Spear

Licensed Insurance Professional
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Kevin Spear

Kevin Spear

Licensed Insurance Professional

My passion for helping others is ultimately what brought me to pursue a career in cancer treatment.   I served 20 years as President of a cancer treatment company, directing a team of over 30 professionals that offered care for thousands of patients, across the SE United States.  

Grounded in Faith and Family, I understand this crucial order of importance.  I also “get” why simple guidance can positively shape a person's life going forward.  I take this responsibility very seriously and humbly love to come alongside my clients to help guide every step.  Robbins Financial Group provides me with strategies that allow for security, and financial opportunities that can change your life going forward!

My wife of 25 years, Sharon, and I are parents to four children, two biologic, and two, in which we adopted from Nigeria.  We continue to get involved in areas that we can make a difference in our church, and through several charitable organizations.   

Five words you can always count on from me: Honesty, Integrity, Passion, Commitment, and Trust.

How can I help your family and what goals can we achieve together?

Our Principles

To be a world class provider of wealth preservation and risk management solutions for high-net-worth individuals, their families and corporations, Robbins Financial Group helps our clients to build and preserve their financial wealth. We use a holistic, process-driven approach to develop and maintain long term relationships with our clients while guiding them through the journey of achieving their financial goals.

Five core values to our culture, approach, and the way we do business.

Integrity & Honesty

We believe that our greatest assets are our people, capital, and reputation. Should any of these assets ever be diminished, the last would be the most difficult to restore. As such, we hold our people to the highest ethical standards in all that they do, both in their work for the firm and in their personal lives.

Superior Results

We take great pride in the professional quality of our work and consistently strive to achieve excellence in every assignment we undertake. Our experience shows that if we serve our clients well, our own success will follow.


Due to the nature of our business, we regularly receive confidential information. Treating such information carelessly or improperly would go directly against all that we believe.

Access to Excellence

From wealth preservation, to trade execution and customized risk management, our clients have access to innovative industry professionals who can help them achieve their financial goals. When unconventional client situations exist, we routinely leverage the expertise and innovation of some of the industry's leading minds vid Donald's qualifying membership at MDRT's "Top of The Table" - an elite group of the top 1% of financial services professionals. our access allows us to devise and execute customized financial solutions that may be overlooked or untried elsewhere.

The Million Dollar Round Table (MDRT), the Premier Association of Financial Professionals, is recognized globally as the standard of excellence for the life insurance sales performance in the insurance and financial services industry.

Senior Level Focus

Each of our clients receives personalized advice from Robbins Financial Group Founder and President, Don Robbins. By ensuring that Mr. Robbins is actively involved in each of the firm's transactions, we are able to maintain intimate relationships with each of our clients - which we feel is a large contributor to our success.


Our approach to relationship building begins with a team of professionals who develop a thorough understanding of each clients’ unique needs to help them achieve their financial goals.


With over 90 years of combined financial services experience, our team at RFG is uniquely qualified to operate as a private financial concierge with access to elite experts in their fields through a fortune 100 company.


Our focus on long-term strategic planning and comprehensive management is at the core of our business.

Human Capital

We continue to attract exceptional people who are drawn to our culture, which, above all else, stresses working as a team to help generate the optimal results. By imposing high standards on ourselves, we continue to earn the trust and confidence of our clients.

Robbins Financial group chart depicting the flow of communication.

At Robbins Financial Group, we work with attorneys, accountants, trust officers and other financial advisors to better serve the needs of our clients. This collaborative approach gives our clients the most comprehensive service available. When you align with us, we'll bring in the key players to work with our team alongside you to develop a mutually agreeable process for interacting with our shared clients. We know that every organization has different methods and preferences for how communication is handled, so we are flexible and adaptable in order to effectively meet the needs of our clients within a cohesive team environment. We will always maintain open lines of communication and keep you apprised of all developments.

When you work with us, you’ll go through a holistic, process driven approach. It starts with helping to identify what’s important to you, formulate your goals, and develop a plan that seeks to have you achieve them.

Our client’s plans often include:

  • Long-term asset allocation reflective of each client’s individual risk tolerance
  • Access to innovative investment ideas and opportunities
  • Customized investment strategies
  • Wealth preservation, trust and estate strategies, and insurance services

Robbins Financial Group six step process.

Schedule a Consultation


Executing on the custom strategies within your plan requires various products, solutions, and services. We offer an array to help achieve your goals, under your timeline, and within your budget. Your individual plan is a roadmap that outlines your wealth accumulating, growing, and being protected for now, the future and your legacy.

Your plan begins by analyzing the short term cash management and risk management. Next, you’ll be provided strategies and solutions for wealth accumulation and tax planning. Finally, you’ll have a game plan for retirement and your estate.

Areas of Client Engagement

  • Cash Flow Analysis
  • Income Protection
  • Asset Allocation
  • Succession Planning
  • Buy Sell Review

  • Executive Benefits
  • Employee Benefits
  • Health Insurance
  • 401k Plans
  • Voluntary Benefits

Schedule a Consultation

"You can't escape the responsibility of tomorrow by evading it today."

- Abraham Lincoln

Insurance is an often overlooked, but critical, dimension of wealth preservation that plays a key role in estate planning, risk management, tax planning and asset allocation. While life insurance is obtained for the death benefit need, when properly incorporated into your financial planning, insurance can:

  Minimize the risk of estate tax.

Paying estate taxes may not be possible without selling or liquidating assets. Life insurance can provide immediate cash to the trust or your heirs, generally free of income tax.

  Achieve charitable goals.

By designing a charity as a beneficiary, you can make a substantial gift for a relatively modest cost.

  Create an estate.

Life insurance can be used to create an estate that helps protect and preserve your family's lifestyle - safeguarding them and their future should something happen to prevent you from completing your asset accumulation goals. 

   Protect income assets from disability and illness. 

Disability income insurance can replace a percentage of your annual income should you be unable to work, and can help to make sure that you and your family are protected from any financial hardship during your time of disability. 

   Client Centered Solutions

  •  Life Insurance
    • Essential to protecting your legacy, an adequate life insurance policy plays a key role in proper estate planning. Developing a life insurance plan that meets your family's financial needs and aspirations requires a solid understanding of taxes, trusts, investments and a myriad of other factors. 

      In addition to offering traditional whole life, universal life, and term insurance, Robbins Financial Group works closely with estate planning advisors and other team members to propose additional options that best suit your needs. 
  • Disability Insurance
    • Disability insurance can be an important addition to your financial plan to help cover your needs should you or your spouse be unable to work. Robbins Financial Group can help ensure that you've protected your future income stream, just as you would protect your home, health or automobile.
  • Irrevocable Life Insurance Trust (ILIT)
    • An irrevocable Life Insurance Trust, when structured properly, is not part of your estate and is not subject to estate taxes. Irrevocable Life Insurance Trusts are an ideal way to grow your assets and provide for your heirs; the trust owns your life insurance policy and pays the premium, with the proceeds passing into the trust. 
  • Specialized Insurance
    • Wealth transfer strategies and non-qualified executive benefits are some of the most complex - yet potentially rewarding - financial challenges facing high net worth individuals and executives. Robbins Financial Group can provide you with a number of innovative, customized insurance strategies that can maximize your estate and enhance your compensation.
  • Corporate Insurance
    • Business owners can also benefit from a myriad of insurance based strategies that will help to preserve the businesses value at a predictable cost. 

"The future is purchased by the person."

- Samuel Johnson

Planning for retirement requires careful preparation and a prudent investment strategy. Whether a client's desire is to create an income stream that will ensure a comfortable retirement or to preserve assets to pass on to heirs. Robbins Financial Group can help clients construct a portfolio that will help meet their needs based on the individual's risk tolerance and available assets.

  Retirement Income Analysis

For clients seeking a disciplined investment strategy, Robbins Financial Group offers customized investment allocation plans that, if properly implemented, can help them meet their retirement goals. Key considerations in creating our clients investment allocation plans include the individual's top financial objectives, investment time horizon, risk tolerance, tax situation and cash needs.

Our rigorous asset allocation process results in broadly diversified portfolios for our clients. Using a transparent, process-oriented approach allows our clients to take part in selecting a viable retirement date and asset accumulation goal.

  Retirement Account Consolidation

Account consolidation is often the first step helping our clients to reach their retirement objectives. By consolidating a client's IRAs and other retirement plan assets through Robbins Financial Group, clients may benefit from:

  • An integrated strategy that allows the client to closely monitor asset allocation strategy
  • Access to a variety of investment vehicles that may not be available in a company sponsored retirement plan
  • Beneficiary consolidation to facilitate estate planning

In many cases, clients are eligible to roll over assets from their employer-sponsored plans (401(k)s) into an IRA, and potentially increase their investment flexibility. In order to determine whether you qualify, please contact a representative of Robbins Financial Group. 

An IRA participant is allowed only one indirect rollover in any 12-month period across all IRAs that he or she owns. An indirect rollover is a participant-initiated distribution in which the participant receives the proceeds and subsequently rolls those proceeds into another or the same IRA within 60 days. Individuals can continue to make unlimited trustee-to-trustee transfers (transfers directly between IRAs) as well as unlimited conversions from traditional IRAs to Roth IRAs. 


"The great use of life is to spend it for something that will outlast."

- William James

At Robbins Financial Group, a large percentage of our clients are business owners. Through their own efforts they have accumulated significant wealth, most often through ownership of a privately held corporation. Few, if any, became an overnight success. Rather, they built their wealth over a lifetime of hard work.

We help business owners crystallize their objectives in the following areas:

  Corporate Retirement Solutions

A strong employer-sponsored retirement plan can provide businesses with significant leverage in attracting and retaining key employees, while at the same time providing employees with the tools necessary to enjoy a successful retirement. Undoubtedly, establishing and overseeing an appropriate retirement plan can place significant responsibility on plan sponsors. Our goal at Robbins Financial Group is to educate plan sponsors so that they can make more informed decisions on employer-sponsored retirement plans.

Whether it’s a 401(k), 403(b), Simplified Employee Pension-IRA (SEP-IRA), Keogh Plan, or other plan, Robbins Financial Group works alongside our Business Services clients to help them understand the decisions they make for themselves, their company, and their employees.

  Corporate Risk Management

Robbins Financial Group can structure a corporate insurance program that preserves business value at a predicable cost. A properly structured corporate insurance program can be used to fund a buy-sell agreement, help protect against the financial loss due to the death or disability of a key person, or help ensure a business continuation by providing a temporary source of cash flow.

  Estate Planning

Your business may be the most valuable asset in your estate. Unfortunately, many family-owned businesses do not survive the first generation as a result of legal issues, taxes, and family disputes. To protect against these matters, it is essential for business owners to plan ahead. Your personal estate plan, insurance policies, and business estate plan are all intimately connected.

   Management Succession 

  • A management succession plan is vitally important to the health and continuity of your family and your employees.

   Business Inheritance

  •  Dividing your business among your heirs can be a complicated issue for many business owners. While this is undoubtedly a sensitive topic, planning for the future now can help you avoid problems later.

   Business Valuation 

  •     Professional valuation of your business performed on a consistent basis can help business owners avoid costly court disputes in determining the amount of business estate taxes.

Robbins Financial Group can also help you plan ahead to make sure your estate has enough liquidity to pay your estate taxes and provide support for your heirs.

"Tradition means handing all that is of value to the next generation."

- Henry Lewis Bullen

Individuals often have both tax and non-tax reasons for engaging in trust and estate planning. Tax motivations are usually based heavily on minimizing gift and estate taxes. Non-tax motivations frequently include succession planning and philanthropic giving. Regardless of your motivation to pursue a trust or estate plan, Robbins Financial Group has access to professionals who can help you to plan your legacy in the most effective manner possible, ensuring that you have properly addressed the needs of your family and / or other beneficiaries. Robbins Financial Group acts as a “quarterback” in your estate planning process, coordinating the efforts of the legal, tax, and accounting professionals we have access to, with our clients’ individual attorneys and advisors. The information is provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Neither Massachusetts Mutual Life Insurance Company nor any of its employees or agents are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

We work with our clients to:

  Draft Your Will

The essential component of your estate plan, your will is a primary document for transferring your wealth upon your death. Time spent now deciding how you wish your legacy to be passed on to your heirs will avoid problems and reduce taxation for you heirs later.

  Choose Your Executor

Settling an estate is a complex process that often spans many months. Choosing an executor or personal representative who is knowledgeable and will be available to settle your estate is important to your peace of mind as well as the security of your loved ones.

  Develop Your Estate Plan

Robbins Financial Group’s access to professionals experienced in estate planning strategies through Donald's affiliations allows us to provide strategies to implement your estate needs. Utilizing legal structures (including trusts, LLCs, LPs, S corporations, C corporations, and foundations) and employing a combination of risk management and tax, succession, and philanthropic planning, Robbins Financial Group helps our clients to develop customized estate strategies that meet the needs of each unique individual.

  Regularly Review Your Estate Plan

Lifestyle changes and other important personal and financial milestones create the need to review and update your estate plan. You may consider a reassessment of your current estate plan after changing marital status, having or adopting children, changing jobs, or moving.

"It is not how much you make that counts, but how much money you keep."

- Richard Kiyasaki

In today's global investment environment, high net worth individuals face signifiacnt complexity in their financial lives as they attempt to strike the optimal balance between wealth preservation, growth and income generation. Robbins Financial Group offers our clients a process-driven, holistic approach that brings diverse investments and established strategies together in an easy-to-understand framework.  


    A Process Driven Approach

Many of our clients have found that successful growth and preservation of the wealth they have accumulated is based upon a disciplined process that leverages professional expertise and world-class analytics. Our approach to wealth preservation and investment management begins with an in-depth analysis of each client's current financial situation. This customized financial snapshot is then used as a benchmark as we work with our clients to evaluate and define his or her long-term financial objectives. Once realistic wealth accumulation and preservation objectives have been identified, Robbins Financial Group can propose unique solutions to help fulfill those objectives..

    A Thorough Review of Client Assets

We begin with a thorough, top-to-bottom review of the client's situation. Topics that will be covered in our initial interview may include: What are the current investments? Is there a strategic investment plan? In whose name are the assets owned? Has the family engaged in estate planning, and if so what structures are in place? 

    Analysis of Financial Commitments and Goals

Properly structuring a client's investments and adequately managing his or her risk depends on the clients goals, both financial and non-financial. Financial goals may include spending goals or asset-level goals; non-financial goals may include tax-efficient transfer of assets to future generations or philanthropic cause. We work diligently to establish and maintain deep, long-lasting relationships with each of our clients in order to provide them tailored investment and risk management advice. 

    Development of Investment Strategy

Once financial goals have been clearly defined, Robbins Financial Group can recommend customized solutions that may include, for example:

  • Strategic asset allocation plans
  • Individual investment opportunities
  • Stock diversification techniques
  • Estate and tax planning strategies, or any combination of these and other options. Each aspect of our advice is informed by the others, leading to an integrated investment strategy. 

    Fee-Based Financial Planning

Your wealth is a part of your legacy - and it deserves proper attention and consistent review. A customized, integrated financial plan provides you the foundation from which to develop and implement customized investment management and wealth preservation solutions.

Once your plan has been finalized, we'll stay in close contact with you, monitoring your changing needs and recommending adjustments that reflect your current personal and financial life. 

Your plan, its implementation and evolution will include specific recommendations to help us to :

  • Identify tax reduction strategies
  • Enhance cash flow
  • Lower borrowing costs or increase borrowing effectiveness
  • Strengthen your retirement plan
  • Refine your estate plan
  • Protect your assets and family more effectively
  • Provide for business succession


Philanthropic Planning

Robbins Financial Group can assist our clients and their tax advisors in developing charitable giving strategies that both meet our clients specific philanthropic goals and take advantage of tax, financial, and estate planning opportunities. To help our clients achieve their legacy objectives, we capitalize on our experience in combination with a myriad of resources available through our affiliations.

    Setting Philanthropic Goals

Robbins Financial Group spends a significant amount of time identifying and understanding the specific goals of our Philanthropic Planning clients. Key topics addressed during our initial interview may include:  

  • What is the target amount of the gift?
  • What is the time frame in which the giving will occur?
  • Will a gift be made with attribution or anonymously?
  • Will children be involved in the giving process?
  • Does the client wish to give on a deferred basis to maintain investment control of the charitable gift?
  • Are income tax benefits a concern?

     Developing a Customized Solution

In certain cases, direct, immediate gifting to charities is a simple, effective solution to philanthropic planning. In many instances, though, more sophisticated strategies are available to our clients, allowing them to achieve more appealing results. Depending on the individual client's personal and financial situation, we can work with our clients and their advisors to create donor-advised funds; private non-operating (i.e. grant making) foundations; private operating foundations; supporting organizations; split-interest vehicles (e.g., charitable lead-trusts, charitable remainder trusts, pooled income funds, charitable annuities) and gifts of fractional assets. 

Alternatively, Robbins Financial Group can work with our clients and their advisors to develop an indirect philanthropic giving strategy through the creation of a trust. In general, Robbins Financial Group may recommend our clients work with their advisors to found remainder trusts or lead trusts. (The former pays the donor an annuity over a specified time frame and then pays any remaining principal to charity while the latter does the opposite, paying the annuity to charity and leaving the remainder to family members.)

Through an in-depth, process-driven consultation with our client's and their tax and legal advisors, we can help determine which is right for our client and his or her family, given his or her specific financial situation and long-term goals.

    Personal Trust Services

Robbins Financial Group will work closely with you and your attorney, accountant and others to create a plan that meets your specific goals.

    Charitable Financial Planning

Robbins Financial Group also can help you develop a personal financial plan to reach your philanthropic objectives, which may include significant financial contributions to charitable organizations, institutions, and your community. 

Strategic Tax Planning

In devising a successful strategy to preserve your current wealth and generate future income, there may be nothing more essential than maximizing tax efficiency. Experienced advisors at Robbins Financial Group will review traditional tax strategies (e.g., trusts, qualified plans, 529 plans, and insurance), helping to determine which vehicles are best suited for each client's particular set of circumstances.

    Income Tax Strategies

Based on an individual's particular financial situation, Robbins Financial Group may recommend the use of one or more income tax planning strategies. For example, with regard to the Alternative Minimum Tax, there are strategies to help maximize the use of available deductions and tax credits may benefit from a systematic approach to income realization and deferral (including stock option management and tax-effective Section 83(b) elections).

The information is provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Neither Massachusetts Mutual Life Insurance Company nor any of its employees or agents are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

    Transfer Taxes

With few exceptions (including life insurance) transfers of wealth from one individual to another are subjection to taxation. Transfer taxes can greatly reduce the legacy you would like to leave your family or charitable organization. Robbins Financial Group provides our clients access to top legal, accounting and tax advisors through our affiliations, and can help our clients reduce the transfer taxes in one of two ways:

  • Freezing the value of assets and transferring substantial appreciation to beneficiaries
  • Discounting the taxable value of assets transferred.

While freezing and discounting each applies to specific types of assets and trusts, the two methods can often be combined with even greater success. For example, transferring limited partnership interests (which may be eligible for discounted valuation) to an irrevocable trust (which may freeze the valuation of its assets) can produce dramatic tax savings over time. 

The information is provided with the understanding that it is not intended to be interpreted as specific legal or tax advice. Neither Massachusetts Mutual Life Insurance Company nor any of its employees or agents are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.

    Asset Allocation Considerations

Asset allocation is a critical consideration for transfer and income tax planning. Assets should be properly allocated both within asset classes and among various entities and accounts (e.g., personal, retirement, trust or partnership) For instance, clients may choose to hold appreciating assets and entities whose economic benefit will accrue to their beneficiaries free of estate and gift tax, while holding income-bearing assets in their estate.

Asset allocation neither assures a profit nor protects against loss in a declining market.

    Insurance Products

Where appropriate, Robbins Financial Group may recommend insurance products to cover the cost of any remaining estate taxes. We have the ability to offer our clients unbiased advice and access to some of the most stable and secure insurance products available.

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