Tax Efficient Asset Movement (TEAM)

We design individual financial strategies to fulfill the objectives of asset accumulators (those gainfully employed) as they move towards the distribution (retirement) phase of life. 

Many of the forces which impact financial success or failure are out of the control of the client and any financial advisers. Focusing on the factors, which can be controlled, helps assets appreciate resulting in sustainable lifetime income while decreasing risk. 

Our mission is to design and implement individual financial strategies which exceed client expectations. By mitigating risk, reducing out-of-pocket costs, and reducing long-term tax liabilities; our clients will enjoy life no matter how investment markets perform. 

“Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the
treasury. There is not even a patriotic duty to increase one’s taxes. Over and over again the Courts have said that there is nothing sinister
in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any
public duty to pay more than the law demands.”
— Famous Quote from Judge Learned Hand

Controllable

  • Tax treatment of assets.
  • Starting Social Security.
  • Retirement date.
  • Discretionary expenses.
  • Lifestyle choices.

NOT CONTROLLABLE

  • Dying too soon.
  • Cost of living increases. 
  • Living too long.
  • Increased GOVT spending.
  • Medical and Long Term Care.

Frank B Howell JR holds Arkansas Resident Insurance Consultants License # 829849 and is appropriately licensed in all jurisdictions where clients reside. Neither Tax Efficient Asset Movement or Frank Howell provide specific investment advice.