Scott M. Culiner, CFP®

CONNECT

Address:

1954 Greenspring Drive, Suite 515
Timonium, MD 21093

Phone:

Office-(410) 823-3399,Cell- (410) 340-0875

Fax/Other:

(410) 823-4144

Services

The financial management process at Signator Advisory Group begins with an in-depth evaluation of your current financial situation. Once we've established your overall objectives, we’ll focus on your specific goals.



With changing economic conditions and market swings, we advocate investing sensibly over the long run and maintaining an adequate level of insurance coverage. We work with you side by side so that you’re confident in and comfortable with the financial suggestions we make.



Some of the services we offer:



.WEALTH MANAGEMENT FOR INDIVIDUALS

A successful wealth management strategy is one that provides for you and your family today and preserves enough for future generations. To achieve this success, a financial strategy must be comprehensive. That's why we work with your attorney, trustee, accountant, and other professionals as necessary to create a customized strategy that considers all your wealth management needs.



Depending on your stage of life and types of concerns, your financial professional will help you find the appropriate solutions to issues like funding for education or retirement, protecting your assets and your family, and organizing your estate to deal with potential tax exposure.

 

We are able to help you address your financial concerns by offering the range of services listed below:

Wealth Accumulation



Portfolio Building* --
With the right asset allocation, we can help develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories. We’ll take into account your risk tolerance, liquidity needs, as well as your short and long-term goals.



College Funding -- We can help you choose the right savings and investment vehicles, and the best plans available for financing an education.



Retirement Planning -- If you are planning for a secure retirement, we can help you evaluate all of your existing retirement plans: pensions, 401(k)s, IRAs, and annuities. We can also assess the tax consequences of your IRA Rollover and assist in implementing your decision. 

 

 

Wealth Protection



Survivorship Protection
-- We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.



Asset Protection -- We can recommend ways to maximize and protect your hard-earned retirement savings and your independent lifestyle should you or your spouse need long term care.



Disability Income Insurance -- Often overlooked is the need to protect one’s current income stream and future earnings in the event of a disability. We can help you protect your future earnings from such an event.



Long Term Care Insurance -- We can help protect your assets from the rising costs of long term care that can affect your financial future and that of your loved ones.

 

Wealth Distribution



Trust and Estate Planning* --
With the right strategy, you can control your assets according to your wishes, as well as minimize taxes, reduce administrative costs, and ensure the effective management of your affairs should you become incapacitated. You may also be interested in developing charitable or family gifting strategies to pass along your wealth. Based on your individual situation, we can recommend techniques for approaching these challenges.

                                                                                                                              

FINANCIAL SOLUTIONS FOR YOU AND YOUR BUSINESS         



Working closely with your legal and tax advisers, we can help you reach your business and estate planning goals with solutions that will maximize your personal benefits, provide the tools to recruit and retain employees, protect against the loss of key employees, and create ownership succession strategies.  These solutions can help build your business and transfer wealth to future generations.  Once your customized plan is in place, we continue to support you by conducting annual reviews to ensure that the plan is on track.

Retirement Planning  -- Qualified plans can help owners and long-term employees build financial independence.  Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.

Executive Compensation Strategies -- We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs.  These programs motivate key people with financial incentives that enhance job security.

Employee Benefits -- We can help you create the employee benefit package that's right for your business, including:  disability income insurance, long term care insurance, group medical, group dental, employee voluntary plans, and cafeteria plans.

Educational Services -- We can conduct seminars for your employees on their retirement packages.  And as a value-added service, we offer educational seminars on a variety of financial topics.

Key Person Insurance -- The death of a key employee can create serious problems for a business.  We can help you protect against this loss.

Business Succession Planning -- Our succession strategies can be catered to your wealth transfer objectives.  We can provide life insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled, or sells.

For family business owners, we identify alternative strategies to equalize estate assets among all children -- whether they're active or inactive in the family business.



*Signator Investors, Inc. provides fee based advisory accounts and fee based financial planning and only qualified representatives enrolled in the Signator Investors, Inc. Corporate Registered Investment Advisor Program may offer these advisory products and services.