If you have general questions regarding your Corestone Account or Visa debit card, please call (800) 547-7008 within the United States or call collect at (610) 382-8380 outside of the United States. Live customer service is available Monday through Friday, 8:30 a.m. – 6 p.m. (ET).
To obtain your login credentials for your Pershing or TD Ameritrade account, please call toll-free 855-TELEMUS and ask to speak with your Financial Life Specialist.
ENTREPRENEURS
PROFESSIONALS
LIVING IN RETIREMENT
WEALTHY FAMILIES
NEW INVESTORS
NEWLY INDEPENDENT
INSTITUTIONAL INVESTORS
COMPANY EXECUTIVES
As an entrepreneur, you have a lot of responsibilities. Every day, you must balance work obligations with your commitments to family, friends, and personal interests. How do you make it work? Many people struggle with the pressures of running their business while trying to maintain a balance between work and life.
Our goal is to help you live a less stressful and more enjoyable life by leveraging your time and making sure your wealth is aligned with your long-term goals. We are a team of specialists providing comprehensive advice across multiple disciplines, and our mission is to empower you to use your wealth, time, and influence to live a great and meaningful life.
The husband of a couple in their late forties was very focused on building his business. His wife has been busy with several charities and raising three kids, two now in college and one still in high school.
The couple's investable assets were small relative to the size of the business, but still substantial. They wanted to get the most out of their current investments, while preparing for the sale of the business within five years.
After further discussion, we discovered that the couple was concerned about more than their investment performance and future sale of the business; both of them worried about the effect that their growing affluence was having on their kids. They missed the closeness of their family when the children were younger and they had different ideas about transitioning wealth to the next generation. A review of their current documents revealed potential problems with the partner's buy/sell agreements and a lack of coordination between business and estate plans.
Sound Like You?We created a comprehensive investment strategy across taxable individual accounts and company-sponsored 401(k) holdings and introduced alternative asset classes, such as private real estate and direct lending to enhance the risk/return profile.
We implemented tax-saving strategies for the funding of future college expenses.
We worked to consolidate and improve their insurance coverages including the purchase of a new whole life policy with a return of premium feature. In addition we worked with their other advisors to coordinate and implement buy/sell policies that insured against an unexpected event to either of the partner’s lives.
We coordinated a strategic planning process for the business that identified and prioritized steps needed to prepare the business for a sale down the road.
We assisted the family in establishing a donor-advised fund and developed a family gifting plan involving the children.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreAs a busy professional, managing your business or practice takes a huge amount of time, energy, and focus. Whether you are a doctor, pilot, engineer, lawyer or other career professional, you must balance your professional obligations with the needs of your family, friends, and personal interests every day. How do you make it all work?
At Telemus, we examine all financial touchpoints in your life in order to more successfully design a solution to help you reach your personalized goals. And through this approach, our goal is to help you enjoy the life and career that you’ve worked hard to build.
The wife of a couple in their late forties worked as a medical doctor at a large hospital. Both she and her husband worked long days, and they needed someone to help manage the family’s financial picture.
The couple had worked hard to save for retirement and their financial life was moving in the right direction, but they needed help managing the many moving pieces.
After learning more about the family, we also learned that they wanted help determining how much they should have saved for retirement, knowing that saving too much could limit their lifestyle before they retired. Both high earners, they had concerns about getting sick or injured and being unable to work. Lastly, they had two children in highschool who were starting to look at colleges, and the family needed guidance on how to pay for college efficiently from a tax perspective.
Sound like you?We started with financial planning, by setting a goal amount for the couple to have saved when they exited the workforce. Then, we leveraged investment products that could put that goal within reach. We also reviewed how much they are contributing toward retirement each month and optimized their employer-sponsored retirement programs.
To protect the couples earning potential, we conducted a disability insurance analysis and found a policy that could protect their lifestyle in the event that either one of them could no longer work.
Lastly, we helped the couple make catch-up contributions to their children’s 529 savings plans. These contributions made sure that they received for the largest possible tax benefit for each dollar contributed.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreAfter spending years in the workforce saving for the future, you now need to spend and manage that money. This new phase of life sparks change for your finances and lifestyle, and for this reason it can feel like uncharted territory. Are you prepared?
Regardless of the time and energy you've spent planning for this period, most people find that there will still be some surprises once retirement begins. Our team is here to ask the tough questions, build a comprehensive plan of action, and help you feel more comfortable about this new phase in life.
After working many years in the automotive industry, our client was finally ready to retire, but was confused by the myriad choices being offered as part of his retirement package.
Like many people approaching retirement, our client was struggling to make “the right” choice when it came to their employer-sponsored retirement package. Compounding the issue was the fact that he had retirement plans from two automotive manufacturers.
The client and his wife were also interested in doing some traveling, and were interested in how that would affect their overall plan for retirement. Additionally, they needed someone to take a comprehensive look at several trusts and insurance policies which had been created over the years.
Sound like you?We analyzed the various retirement plan options available to the client from both his previous employers.
We updated their financial plan to reflect the recommended retirement plan option to demonstrate what their retirement years could potentially look like. Additionally we modeled extra spending to reflect travel expenses.
We advised them on tax efficient ways to manage their cash flows during their retirement years to maximize after-tax spending.
We reviewed and updated all their insurance coverages to bridge some coverage gaps while aligning their life insurance with their needs.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreStudies have shown that 70% of family wealth is lost by the end of the second generation and 90% by the end of the third. But with a little planning, you and your family can chart a different path.
At Telemus we’re well versed in the issues of the wealthy, and we can help you define your priorities, goals, and objectives and then help you communicate this information to family members. This, in turn, will prepare them to inherit your wealth instead of being left to figure it out on their own.
A wealthy family was facing a variety of issues and was looking for advice, and the patriarch of the family had become ill and was interested in advancing his philanthropic efforts.
When we started working with this family, the next generation had already acquired considerable wealth, but they wanted to maximize the estate planning options available to them and to protect both their mother and themselves from undue taxes. At the same time, they wanted to consolidate and reposition their investments to better reflect the new makeup of the family. Lastly, the job of managing the family’s wealth was becoming burdensome, and they were looking for help.
Sound like you?Together with their estate planning attorney, we came up with some creative estate and philanthropic solutions that met both their estate planning and philanthropic objectives.
In conjunction with their accountants, we helped develop tax effective strategies to maximize their charitable gifting options.
We consolidated their investments and realigned them in a tax sensitive manner. We also reviewed all their insurance coverages and helped identify opportunities.
After reviewing existing policies for efficiency and effectiveness, we implemented insurance policies that were an efficient and cost effective way to preserve wealth through the next two generations.
Through our family office division, we were able to take over some of the management of the families affairs and better report to family members on overall activities and spending.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreYou’re finally on your own. What do you need to be concerned with? If you’re single it’s pretty simple… just you. As you start off on your life’s journey, your Telemus advisory team will help you make smart financial and investment decisions so you have a strong financial foundation to start from.
When you get married things are different and after you have kids your needs are likely to change even further. Regardless of how your life changes, we’ll be here to give you advice along the way and adjust our strategic plan as needed.
The son of a client, now in his late 30’s and working in the real estate business, was feeling unsettled. He had a young family and was starting to accumulate some savings, but he felt like he could be doing more to secure his financial future.
Was his estate plan good enough? Did he have enough insurance? What other things should he be doing but didn’t know to do?
He was using a robo-advisor, and was generally happy with the investment results, but he was looking for more than just investment advice. He also realized that while he had done well in the past several years, he was at the mercy of the markets when it came to his portfolio’s return. After several meetings and conversations, we also discovered that private schooling for their children was a high priority for him and his wife, but they were unsure if they could afford it.
Sound like you?We reviewed his current estate plan prior to meeting with his estate planning attorney and gave him recommendations regarding changes to it to better meet his long term goals.
We reviewed his current insurance coverages and made recommendations regarding additional coverage to better support his estate plan and minimize risk.
We reviewed his current investments and recommended changes that better aligned his portfolio with their long term goals.
We analyzed the cost of private school and college for their children and presented savings options in conjunction with what they had done already.
We reviewed the legal structures he was using to hold his investments and made some recommendations regarding them.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreOur team has listened to the concerns of our newly single clients, both female and male, and taken what we’ve learned from those conversations to develop a specialized approach that can help you create financial peace of mind.
In all of this, our goal is to empower you to use your wealth to live a great life. Our dedicated team members have a passion for helping and take pride in delivering exceptional advice, planning, and service. By listening more and talking less, we help you find your own answers and make financial decisions that are right for you.
One of our clients had a friend who recently lost her husband. Newly widowed and unfamiliar with making financial and investment decisions, she was looking for some advice during this very difficult time.
Although she knew they were wealthy, she needed help in understanding what they had. Her husband had been a partner in a successful business with his brother, and she wanted to understand her ownership. She also had a large investment portfolio at several brokerage firms. Lastly, her late husband had owned a number of insurance policies that she was unfamiliar with.
After meeting with her, we were able to reassure her that we could help her with all her financial, investment, and insurance needs. In addition our wealth advisory team could be helpful in restructuring her estate plan to reflect the passing of her husband. Based on what she knew of her friend’s experience with us, she decided to move forward.
Sound like you?We met with the client at her home to review all the documents her husband had kept in his files and help explain to her what they were and what she should do with them.
With the client and her sons, we met with their accountant to help them understand how the business ownership was structured and how it was transferred in their current estate plan.
We consolidated her investment accounts and tax efficiently repositioned them to better fit her needs of current income.
We reviewed all her existing insurance policies and terminated or modified them as appropriate. In addition we incorporated an insurance strategy that served the dual purpose of leaving money to her kids and the next generation while protecting against the rising costs of long-term care.
In conjunction with her estate planning attorney, we restructured her estate plan to better reflect the current business and family situation along with her philanthropic intent.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we can help you feel more confident about your wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreTelemus has a long history of working with smaller institutional investors and offers a unique set of customized solutions focused on traditional and non-traditional investment opportunities.
Your organization can expect to receive experience, unbiased advice from a team of leading industry professionals. Working collaboratively with you, we develop a thorough understanding of your organization’s overall financial objectives. We then customize investment solutions to align with your risk tolerance, time horizon, income needs, and investment goals.
Our team of client service professionals brings a high level of industry experience and knowledge and work seamlessly with our investment team to deliver a world-class experience to our clients. Our ultimate goal is to partner with you to elevate your organization’s financial objectives and fulfill its fiduciary responsibilities.
A look at how Telemus helped a local RIA achieve their investment objectives.
We were contacted by a local Registered Investment Advisor (RIA) regarding our ability to manage a dedicated pool of short term fixed income funds for a client - a medium sized tax-exempt organization with some very specific investment criteria.
Sound like you?Jointly with the client we designed an investment policy taking into account the specific investment criteria they required.
We then custom designed an investment solution that matched the client’s risk tolerance, time horizon, liquidity needs, income needs and return goal.
Once the investment solution design was completed our experienced fixed income selected the appropriate investments and provided ongoing oversight of the portfolio.
After the portfolio was in place we worked collaboratively with the RIA to develop a robust communication and service schedule to fully inform the client of their results on an absolute basis as well as relative to their peers.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we help our clients feel more confident about their wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial future. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn moreYou make sure to take care of your company, but are you confident you’re doing all you can with your executive benefits and personal wealth to be ready for what’s next in life? While you focus on your professional and personal responsibilities, we proactively help coordinate your financial decisions so you can live the life you envision.
As an executive, your business is running your company. Our business is helping you manage your financial life.
The incoming CEO of a large public company was confused by the new benefit plans available to him. He also needed help understanding his options and the tax implications of these options.
He was concerned about their current estate plan, as his income and net worth were expected to climb dramatically in the coming years. Additionally, they wanted to build a new home and relocate to a community closer to company headquarters. While the couple's current investable assets are small, relative to what they could be in the future, they still need attention.
Telemus’ proven engagement process revealed that the couple was also concerned about their children. Both parents worried about the effect that their growing affluence might have on their kids. On top of this, a review of their current documents showed a problem with the estate plan they had in place.
Sound like you?We reviewed his benefit package, explained his options and the tax implications of each, and helped make the needed decisions
We met with the clients prior to their meeting with their estate planning attorney to help formulate a plan. Additionally, we attended the meeting with the attorney and the clients to make sure our recommendations were considered.
We reviewed their current investment allocations and made recommendations regarding how they were invested.
We worked to consolidate and improve their insurance coverages in light of their growing net worth and exposures. Additionally we exposed a gap in his disability coverage and recommended a solution in the event he became disabled before retirement.
We assisted in securing funding for the construction of their new home.
We educated them on charitable gifting options and helped them select the most appropriate option.
Our primary business is what we call financial life management. Financial life management covers everything that is critical to your financial well being: financial planning, tax advisory, wealth transfer planning, philanthropic management, family education, and business advisory. Put more simply, we help you make smart decisions with your money.
Learn more
When you partner with Telemus, you gain an experienced, knowledgeable team that has spent decades managing investments for individuals, families, and institutions. Through custom portfolio and asset management services, we help our clients feel more confident about their wealth trajectory.
Learn more
We help business owners work smarter not harder. A partnership with Telemus allows you to focus on the big picture of running a business, while our team focuses on the employer and employee benefit programs and cash management strategies that fuel progress.
Learn more
We work with clients to understand the financial risks that are part of everyday life: things like owning a home, owning a business, or riding a bike to work. From this initial audit, we then find cost-effective insurance policies that reduce or eliminate these threats to your wealth.
Learn more
At Telemus, we pride ourselves on our holistic approach to helping clients secure their financial futures. Whether you're a retiree who travels frequently, an active executive who simply doesn't have the time, or someone with a family member who is no longer able to manage these functions on their own, our Virtual Family CFO services are a one-stop resource for managing the individual pieces of your financial puzzle.
Learn more
