What is Financial Planning at Allegheny Financial Group?

In today’s dynamic world, financial planning is more than the habit of setting money aside. It’s the process of making solid decisions consistently so that the money you worked hard for works just as hard in return.

For individuals and families, Allegheny Financial Group advisors are experts at doing just that. With innovative tools, active research, and proven approaches, we build a plan around your personal goals, and continuously monitor and manage that plan to keep you on track for meeting or surpassing them.

Our Financial Planning Process

Your financial situation and aspirations are uniquely yours. We believe your financial plan should be, too. That’s why our approach to planning is personal. With a one-to-one philosophy of client service, Allegheny Financial Group advisors listen to where you want to go financially and craft the best strategy to get you there — because we understand that making your objectives our sole focus is fundamental in putting together the most responsible, most effective plan for you.

Here are the steps we take to accomplish that:

Evaluate

Our financial planning experts identify internal and external factors that could come into play and affect the likelihood of you achieving your financial goals. We determine your tolerance for risk, and establish your need for education funding, retirement planning, estate planning or tax planning.

Develop your plan

After you’ve set your goals — and we completely understand them — your advisor will work with you to determine the steps and strategies to getting started on the right path.

Implementation

Your Allegheny Financial Group advisor puts the plan we create for you in action and provides the expertise, guidance, and assistance you need to stay on course.

Measure & Evaluate Your Plan’s Progress

The final step in our process is a continuous one. Your advisor will regularly monitor and diligently evaluate the performance of each part of your plan and any corresponding investments to ensure that your long-term and short-term goals are on track. If your needs or priorities change, your advisor will expertly adapt your plan in response to these new realities.

Risk Management

Our wide range of tools help protect you from life’s unexpected events, and help you cover with them:

  • Life Insurance
  • Long-term Care Insurance
  • Disability Insurance
  • Fixed or Variable Annuities

Retirement Planning

Planning for retirement can be a daunting task. Will you have enough money during retirement to sustain the lifestyle you’ve dreamed of? Our advisors can design – or refine – a retirement program that selects from the full range of cost and tax-efficient tools and programs to help you meet your retirement objectives.

Planning for the retirement of your employees? Retirement plan and benefit program choices are numerous, and the costs widely vary. Our retirement experts can provide you indispensable experience and knowledge to assist in your decision making.

Tax Planning

Reducing your tax liabilities for the current year is a compelling reason in itself to do tax planning. But, tax planning is also critical for successful business management, retirement, education or estate planning, or real estate management.

We can make detailed projections of your future tax liabilities and recommend strategies that may include:

  • Income shifting
  • Tax deferral techniques
  • Tax-efficient investing strategies

Estate Planning

Creating a lasting legacy depends on some important steps you take today. Preserving assets and minimizing estate taxes requires planning, expertise and most of all, personal knowledge and attention. Our advisors have the resources to help you design an estate plan that accomplishes the goals you set.

Education Planning

If funding education for children or grandchildren is among your priorities, there are a variety of options to consider. These options include:

  • Tax-efficient savings plans such as a 529 plan or Education IRA
  • Taxable savings and investments
  • Loans

Our advisors have the tools to determine the best means of funding your family’s education.

Business Planning & Acquisitions

Business Acquisitions and Private Equity Investments

Through an independent acquisitions firm, Allegheny Financial Group organizes investor groups seeking to acquire equity stakes in companies as long-term, passive investments. Ideally, the investor group provides personal liquidity for owners of profitable, well-run companies who want continued equity ownership and operating responsibility of their business. Transactions are structured to provide significant financial incentives to owner-sellers who continue to improve company performance.

 Our Business Planning Approach

Allegheny has facilitated investment in more than 20 companies using this method, resulting in combined historical revenues in excess of $100 million. Reflecting their commitment to the success of these transactions, Allegheny principals are among the investors in every transaction completed to date.

Investment Criteria

  • Industry Focus: Manufacturing/Industry (primary), Consumer Products, Electronics, Energy, Health Care, Infrastructure, Service, Software, Technology, Telecommunications, Transportation, Utilities, Other
  • Deal Structure: Asset or Stock Purchases, typically with cash, bank note, and earn-out components, as well as seller equity participation in the post-transaction entity
  • EBITDA:  $200,000 – $2,000,000
  • Geography: Eastern United States
  • Investment Stage: Post-Revenue Equity (will consider convertible debt)
  • Non-starters: Retail, Restaurants, Real Estate, Start-ups, No Management, Turnarounds, Excessive Debt

Preference to:

  • Lower Middle-Market Companies with high-quality management teams
  • Proven products/services with key competitive advantages and proprietary products/processes
  • Demonstrated track record of profitability with the potential to grow revenue
  • Passive/Long-term Hold (aim to never sell)
  • Majority Positions (will consider minority)

For Business Acquisition inquiries, please contact:
Mark A. Manetti, CFP®
mmanetti@alleghenyfinancial.com
412.536.8038