Products and Services

With key products & services surrounding Managed Accounts, Brokerage Accounts, Financial Planning for the Individual, Business & Benefits Planning, Life Insurance, Annuities and Long Term Care, our expert staff can help find the right solution to meet your evolving needs. 

 

Managed Accounts take the stress out of investing if you are concerned about commissions. Our fee-based investment management service gives you the broadest opportunities in investing without the fear of excess commissions. There are no commissions. Our annual fee covers all trading regardless of how many trades a day or month or year we make on your behalf. Managed accounts also offer a wide variety of investments including stocks, bonds, mutual funds and ETF’s. These accounts provide quarterly reports and annual reporting is mandatory per regulating bodies. Any individual or joint account, non-qualified, can also have check writing privileges; minimum account is $25,000. For those with multiple accounts within a family or household the value of the accounts may be combined to determine the fee.

 

Brokerage Accounts are traditional commissioned accounts. People who are new to investing often take advantage of these types of accounts until such time as their assets are large enough to move to a managed account. Brokerage accounts historically invest in mutual funds and Del Mar Group has access to every mutual fund family. In order to minimize the effect of commissions we often recommend using of one of the larger fund families since changing funds within the family does not incur additional fees/commissions.

 

Financial Planning for the Indivdual is becoming more complex today. Although retirement is foremost on most people's mind, life has many other events in store for us for which we should plan. The cost of education has made college planning a requirement now for anyone. We all want our children to be the best they can become but it is harder and harder without a college education today. Waiting until your child is in high school is waiting to long. How about early retirement, that second home, your kids' wedding or even that second honeymoon? All of these important life events can and should be planned in advance. Our planning tools can show you how to make these dreams reality.

 

Business and Benefit Planning is crucial for the small to medium business owner. With the cost of business forever going up, compounded by government regulations, it becomes near impossible for the business owner to take care of himself. Yet the government gives us many tools to do just that. Over the years the specialty of the Del Mar Group has been working with business owners in every important aspect of their business. Hal Schwartz, the founder of Del Mar Group is nationally recognized in the area of non-qualified retirement plans for business executives to enhance those retirement years. Business continuation is becoming more important as we age. We ask the hard questions "What will happen to your business", not only what can happen to it, but more importantly "What do you want to happen?" What about the maze of employee benefits? When you work with Del Mar Group, we take all the mystery out of setting up your employee retirement plan, ie. 401(k), SEP, Simple IRA's. With us it isn't just a plan, it is the right plan for all those involved. As a true benefit to you not only do we set up the plans but Hal Schwartz can help manage the investments since he is a Registered Investment Advisor.

 

Life Insurance can be used in so many ways today due to some very specific tax laws. First and foremost life insurance is used as protection for your loved ones, your assets and even your businesses. Life insurance can also be a very effective way to supplement your retirement income. By using low or no cost policy loans, money taken from the cash value of a life insurance policy is not subject to income tax, thus providing a stream of tax free income.The additional uses of life insurance makes it an important part of any investment plan.  Del Mar Group utilizes the type of insurance that best meets clients’ needs. Whether it is term insurance, universal life or variable universal life we engage industry leaders with products that meet our standards and your financial objectives.

 

Annuities can build security into your portfolio with either fixed or variable annuities. Years ago annuities were the mainstay for “widows and orphans” because of their safety and security. They were singularly used to provide guaranteed income for those who needed it. Times have changed and so have annuities! Today they are used in portfolios for many different things including safety, guaranteed income and taxed deferred growth. Variable annuities especially can offer market returns that are sheltered from current taxation while they grow. Many of the leading issuers of variable annuities currently offer guaranteed returns over a 10 year period. Like our consideration for variable life companies we do our due diligence on the variable annuity companies we offer to our clients.

 

Long Term Care is now an important part of everyone’s future plans. How best to ensure not only your assets, but also the care you or a loved one will receive later on in life. Today it is not hard to watch your assets dwindle due to needed medical care and the associated expenses. A quality long term care policy cannot totally eliminate those expenses but it will certainly minimize them. Choosing the right coverages or the right company can be extremely confusing and a mistake you make today may not become evident for years to come. Our approach to Long Term Care is to present you with a clear way to choose not only the right company but the coverage and price that is right for you and your resources.