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Net Worth Advisory
The ultimate goal for any client is to grow ones' net worth over time. Perhaps more than any other area, net worth management can make all other financial objectives more attainable while yielding the greatest benefits in time savings and peace of mind.
HCO Private Wealth’s relationships with our Expert Team of local bankers,combined with access to BNY Mellon Private Bank, enables us to deliver a wide range of services to our clients. From the personal attention of a local private banker to sophisticated international transactions, HCO Private Wealth can coordinate, facilitate, and arrange for the kind of expedited service and VIP treatment our clients deserve.
Personal Loans & Mortgages
HCO Private Wealth maintains relationships with several local and national lenders and can facilitate a competitive bid process to obtain the best rates possible on lines of credit and mortgages. We source the bids, prepare the analysis, and make a recommendation thereby saving you the time and hassle of shopping around for the best deal. Referral payments of any kind, if received, are credited back to you, thereby yielding even more savings and reasons to employ the services of HCO Private Wealth.
Quarterly Tax Payment Service
Quarterly taxes are a hassle for most people, even more so for those with complex trust & estate situations. Working with your CPA or tax preparer, HCO Private Wealth can put your tax payments on auto-pilot by making payments automatically out of your investment or bank accounts. Our use of a tax escrow account provides simple visibility and transparency to all your payments.
Household Budgeting & Financial Automation
Many wealthy individuals use a "checkbook" approach to bill payment — paying bills immediately when received. Unfortunately, this approach often leaves families scrambling for cash to pay for unplanned large expenses such as tax credits, annual insurance premiums, real estate taxes, and so forth.
While budgeting might seem the obvious answer, we find that most people find traditional budgeting and bookkeeping too tedious, complex, or time-consuming. As an alternative, we have developed the concept of a Family Escrow Account; large bills such as tax payments, college tuition, real estate taxes, and insurance premiums are tabulated and simplified into an easy monthly or quarterly standard amount that is deposited into a personal escrow account, then automatically paid by HCO Private Wealth. This results in the family checkbook truly representing all available cash for spending while important major bills are paid automatically.