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.

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.

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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. 

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. 

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.

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.

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.  

 Overview

    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.