J BLACK FINANCIAL GROUP
John A Black
Founder and CEO|CFP®, CLU®, ChFC®, CASL®
Achieving success by helping you connect what’s on your balance sheet with what’s in your heart.
Liquidity- Event Specialists
We specialize in liquidity event planning—and not just the financial issues associated with a large influx of capital, but non-financial issues that one might face, such as the feelings of loss and betrayal and feeling overwhelmed.
We help clients with many of the planning considerations that are often overlooked, such as: underestimating taxes (for example: a business sold for $30 million could net less than $18 million after taxes); underestimating how much capital is required to be financially independent (the 4% rule may not work for everyone in today’s inflationary environment); how to create a lifetime income strategy that meets their needs; and making sure that they work with a qualified advisor who acts in their best interest, to name a few.
LIQUIDITY EVENTS
Those who have received a large influx of cash. This could be from selling a business or company stock, exercising stock options, receiving an inheritance, the death of a loved one, receiving a bonus, executive deferred compensation or phantom stock payments or even retirement.
EMERGING WEALTHY
Ages of 40-55, earning at least $350,000 per year, have a minimum net worth of $1 million, receive compensation in addition to salary and have cash reserves in excess of emergency fund needs.
MATURE WEALTHY
55 years of age or older with a net worth above $3 million and investable assets of at least $1 million.
RISING STAR AND NEXT GENERATION
Those in the early developmental stages of their career, but whose trajectory is very promising.
Here are my areas of expertise
Wealth Management
Tax-Efficient Strategies
Advisory Services
Financial Planning
Investment Planning & Strategies
Retirement Planning & Income Strategies
Insurance Protection Strategies
Multigenerational Planning