Using a data-driven approach, we build portfolios uniquely suited to your risk profile, time horizon, and financial goals. We emphasize diversification, long-term discipline, and cost efficiency. Risen Phoenix continuously monitors client portfolios and conducts periodic reviews to ensure alignment with financial objectives.
Throughout the investment planning process, we always look for synergies with your retirement, tax, and estate planning to create a better overall financial picture for you.
As part of our comprehensive planning process, we assist clients in evaluating insurance needs and coverage options, including: health, life, disability, and long-term care insurance. In addition, we help business owners protect what they’ve built through tailored insurance strategies. Our services include evaluating business continuity, key person coverage, buy-sell funding, and employee benefits to help ensure long-term stability and risk management for your company and family.
Our principal adviser, Mr. Alex Toussaint, is an independently licensed insurance agent. As such, he may offer insurance products through unaffiliated insurance companies and may receive commissions for such transactions. Clients are not obligated to purchase insurance through him, and any such arrangements are fully disclosed. The potential for receipt of commissions presents a conflict of interest, which we address by always acting in the client’s best interest and providing transparent recommendations.
Every decision in your plan is evaluated for its tax impact. In addition, we regularly analyze your portfolios and other assets for tax savings opportunities such as tax loss harvesting, 1031 exchanges, or 83(b) elections for employer stocks.
For detailed financial planning and income tax preparation, we usually refer our clients to our affiliate tax entity, Kitaya Tax Services, LLC.
The transition to retirement may lead to increased anxiety for many. You may be wondering: when is the best time to retire; how much do I need to save; how much can I afford to spend during retirement? At Risen Capital, we help you find answers to these questions and bring you to a place of clarity and confidence about this next great chapter of your life.
Our retirement planning service helps you plan for both the accumulation and distribution phases of retirement. We will work with you to:
Estimate future income needs and desired lifestyle goals;
Analyze existing retirement assets, including 401(k)s, IRAs, and pension plans;
Evaluate the timing and integration of Social Security and other income sources;
Develop sustainable withdrawal and investment strategies designed to balance growth, income, and longevity risk; and
Incorporate tax and estate planning considerations into the overall strategy.
In addition, we work with business owners to design retirement plan packages for their employees including:
401(k), 403(b), 457, Defined Benefit/Pension, and Profit Sharing plans
Paying for your children or assisting with your grandchildren’s college education need not be at the expense of your retirement savings. At Risen Phoenix, we will help you develop strategies to cover those expenses. Our process includes estimating future education costs, determining savings goals, evaluating available savings and investment options such as 529 plans, Coverdell Education Savings Accounts, UGMA/UTMA accounts, and taxable portfolios. We also explore alternative ways to cover those costs and, when appropriate, we advise on where and how to apply for student loans.
We collaborate with a client’s attorneys, accountants, and trustees to ensure their wealth transfer, estate, and legacy planning strategies are aligned with their financial goals. While Risen Phoenix does not draft legal documents, we assist in reviewing estate structures and beneficiary designations, analyzing trust strategies, and evaluating the financial implications of gifting, charitable giving, and multi-generational wealth planning. Our coordination services aim to integrate the investment plan with the client’s estate and tax strategy.
At Risen Phoenix, we take a holistic approach to financial planning. This service is available to clients who are looking for a limited engagement (one-time financial plan or an engagement stretching over several months).
In addition to the services mentioned above, we consider cash flow/budgeting and debt management strategies as part of this service.
This service is available to clients who enter into a continuing advisory relationship with us. In addition to the full suite of our services, it includes: business succession planning, charitable planning, and coordination with other service providers (i.e. accountants and lawyers).
Working together with you, we will design a plan uniquely suited to your goals. The tangible benefits of such a well-crafted and executed financial plan are clarity, peace of mind, and time to enjoy your life.
“Wealth is not his that has it, but his that enjoys it.” Benjamin Franklin
