We help with

IS CONVENTIONAL PLANNING ENOUGH?

Enhancing conventional financial strategies by integrating alternative, classic and innovative solutions—

creating better outcomes, often mitigating taxes.

Aligned with your financial goals, dreams and needs.

CONVENTIONAL & STANDARD

Traditional and standard approaches—the foundation of sound financial planning.

We enhance conventional strategies by integrating alternative investments, advanced tax mitigation, and sophisticated planning.

INVESTMENTS
– Portfolio Management & Asset Allocation
– Traditional Securities (stocks, bonds, mutual funds, ETFs)
– Retirement Accounts (401k, IRA, Roth IRA, SEP)

INSURANCE & RISK MANAGEMENT
– Life, Disability, Long-Term Care
– Annuities
– Medicare & Health Insurance

ALTERNATIVE INVESTMENTS

For those frustrated by the limited investment options they have access to, especially non-traded.

Many alternative investments offer built-in tax advantages—depreciation, deductions, and deferrals—enhancing diversification while reducing tax exposure.

We provide access to institutional-quality and boutique opportunities unavailable on most platforms, including customized structures for unique situations.

Including private real estate (development, distressed, value-add), private equity, private credit, energy, and other specialized land and asset opportunities.

Non-traded structures

Partnerships, LLCs, Preferreds, Notes, Bonds, BDCs, REITs, DST/TIC, QOZs, CLOs, Closed-end Funds, Structured Notes.

TAX MITIGATION STRATEGIES

For those who hate paying taxes and whose CPAs and attorneys have exhausted conventional options.

Addressing income tax, capital gains (real estate and other assets), estate tax, and active/passive income optimization through:

– Oil & Gas Working Interests
– 1031 Exchanges, DSTs, TICs
– Bonus Depreciation [IRS 168(k)/179; also Schedule F Agriculture and Oil & Gas]
– Structured Installment Sales
– Qualified Opportunity Zones (QOZs)
– Charitable Giving Strategies
– Cost Segregation
– R&D Tax Credits
– Roth Conversions
– Plus other specialized strategies

Note: Structured Installment Sales defer taxes on large capital gains and income events by spreading payments over time.

CRITICAL: Must be arranged before constructive receipt of funds—advance planning required for business sales, significant bonuses, stock exercises, and property sales.

ADVANCED PLANNING

Sophisticated planning for unique situations and specific needs.

Qualified Plans Complemented by strategic partnerships in specialized areas requiring additional expertise.

– Tax-Advantaged Wealth Accumulation
– Advanced Insurance Planning
– Hybrid & Standard Premium Financing
– Structured Installment Sales (for major income/gain events)
– Business Exit, Succession & Continuity
– Wealth Transfer & Wealth Preservation
– Charitable Giving Strategies
– Executive Benefits Design
– Retirement Income Beyond

Note: Structured Installment Sales require advance coordination before major income or capital gain events. Must be arranged before constructive receipt of funds. Essential planning for business sales, executive bonuses, stock option exercises, property sales, and lawsuit settlements.

-Featured Offerings-

Kaizen

KWT

We serve top-earning professionals, business owners, and high-net-worth families whose financial challenges require capabilities beyond conventional planning.

Many of our clients share common frustrations:

– Maxed 401(k) contributions but want to put away more on a tax-advantaged basis

– Paying high taxes while their CPA has exhausted conventional options

– Limited access to sophisticated non-traded alternative investments

– Standard executive benefits that don’t attract or retain top talent

– Wealth preservation and multi-generational transfer planning

– Unique situations requiring customized solutions

If conventional financial planning isn’t enough, we can help.

Richard looks forward to assisting you, your family and your business with your investment, insurance and benefit needs. His clients appreciate that he and his team are consultative and are able to give them access to and integrate strategies not available through many advisors.

A mother with five children, and a child that was seriously ill, Sharon appreciates the importance of Health Insurance and understands the medical system. Her clients appreciate her caring nature and professional guidance as they evaluate and choose their individual/family plans or help them navigate Medicare and the various options.

Esti runs the operations and marketing for Ashira Financial, although her first love is “SFX – Special Effects” in movies and film. She is a life insurance agent and specializes in guiding clients through applications and keeping your process moving smoothly.

IS CONVENTIONAL PLANNING ENOUGH?

Enhancing conventional financial strategies by integrating alternative, classic and innovative solutions—

creating better outcomes, often mitigating taxes.

Aligned with your financial goals, dreams and needs.

CONVENTIONAL & STANDARD

ALTERNATIVE INVESTMENTS

TAX MITIGATION STRATEGIES

Note: Structured Installment Sales defer taxes on large capital gains and income events by spreading payments over time.

CRITICAL: Must be arranged before constructive receipt of funds—advance planning required for business sales, significant bonuses, stock exercises, and property sales.

ADVANCED PLANNING

-Featured Offerings-

Kaizen

KWT

We serve top-earning professionals, business owners, and high-net-worth families whose financial challenges require capabilities beyond conventional planning.

Many of our clients share common frustrations:

– Maxed 401(k) contributions but want to put away more on a tax-advantaged basis

– Paying high taxes while their CPA has exhausted conventional options

– Limited access to sophisticated non-traded alternative investments

– Standard executive benefits that don’t attract or retain top talent

– Wealth preservation and multi-generational transfer planning

– Unique situations requiring customized solutions

If conventional financial planning isn’t enough, we can help.

RICHARD TOBAN
Advisor - ChfC, CLU

Richard looks forward to assisting you, your family and your business with your investment, insurance and benefit needs. His clients appreciate that he and his team are consultative and are able to give them access to and integrate strategies not available through many advisors.

SHARON TOBAN
Specializing in Medicare & Individual/Family Health Insurance

ESTI TOBAN

Richard Toban, ChFC^®, CLU^®

Disclosures

Quick Links

IS CONVENTIONAL PLANNING ENOUGH?

Enhancing conventional financial strategies by integrating alternative, classic and innovative solutions—

creating better outcomes, often mitigating taxes.

Aligned with your financial goals, dreams and needs.

CONVENTIONAL & STANDARD

ALTERNATIVE INVESTMENTS

TAX MITIGATION STRATEGIES

Note: Structured Installment Sales defer taxes on large capital gains and income events by spreading payments over time.

CRITICAL: Must be arranged before constructive receipt of funds—advance planning required for business sales, significant bonuses, stock exercises, and property sales.

ADVANCED PLANNING

-Featured Offerings-

Kaizen

KWT

We serve top-earning professionals, business owners, and high-net-worth families whose financial challenges require capabilities beyond conventional planning.

Many of our clients share common frustrations:

– Maxed 401(k) contributions but want to put away more on a tax-advantaged basis

– Paying high taxes while their CPA has exhausted conventional options

– Limited access to sophisticated non-traded alternative investments

– Standard executive benefits that don’t attract or retain top talent

– Wealth preservation and multi-generational transfer planning

– Unique situations requiring customized solutions

If conventional financial planning isn’t enough, we can help.

RICHARD TOBAN Advisor - ChfC, CLU

Richard looks forward to assisting you, your family and your business with your investment, insurance and benefit needs. His clients appreciate that he and his team are consultative and are able to give them access to and integrate strategies not available through many advisors.

SHARON TOBAN Specializing in Medicare & Individual/Family Health Insurance

ESTI TOBAN

RICHARD TOBAN
Advisor - ChfC, CLU

SHARON TOBAN
Specializing in Medicare & Individual/Family Health Insurance