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Taxable Wealth

Financial Advisor San Diego, CA

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Real Estate Investor Solutions

Whether you are a real estate investor, developer, or landlord, by the sheer nature of the business, you tend to be a higher risk-taker. In contrast, we find that those very same clients tend to be very conservative with their non real estate-related assets, i.e., they hold a lot of cash and tend to shy away from stocks. Often, this thinking results from the feeling of having more control over real estate investments than over a fluctuating stock market. Although this “barbell” approach to household asset balance sheets helps mitigate risk when a business is in a downturn, it still may not be optimal with regards to taxes and long-term returns. That’s where we come in to advise our clients. Some ways we help are:

  • We slightly decrease their allocation to cash, while increasing the yield on the cash they keep in their “emergency/liquidity/next deal” fund, so we can add a diversified allocation of global stocks to increase their overall household diversification.
  • We advise and provide low cost solutions to diversify their real estate holdings in the following ways: 
    • Real estate sector/type: Rather than more multiple-family, maybe we add holdings focused on commercial office/industrial or forest and timberland.
    • Location/size: Institutional real estate funds can offer instant geographic diversification to the global real estate market. (Many investors tend to own properties close to where they live; although convenient, this can increase risk exposures to a local economy.)

Some other services we integrate into plans specifically for real estate investor clients include:

  • Balance sheet development and cash flow planning
  • Tax planning: business and personal tax-reduction strategies
  • Cash management solutions
  • Retirement plan development and implementation
  • Succession and exit planning
  • Insurance planning
  • Asset management including access to tax-managed, low-cost, and institutional-priced funds, and direct indexing models with low minimums
  • Debt/liability analysis and planning
  • Personal real estate investment analysis and tracking
  • Educational planning for children’s high school and college (and beyond)
  • Estate planning

Charitable planning

To view a more in-depth example of how we help our business owner clients, click here for a case study.

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Contact

Office: (858) 221-7521
scott@taxablewealth.com

SAN DIEGO OFFICE
13520 Evening Creek Dr N
Ste 130
San Diego, CA 92128
Mon-Fri: 9AM – 5PM
Sat-Sun: By Appointment

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