Comprehensive wealth management is a multifaceted process that utilizes the experience of multiple professionals. To accomplish superior work results, those professionals must coordinate their work and collaborate to maintain focus and clarity of the common objective of the wealth management plan. At Regency, we’ve perfected those protocols into error-proof checklists to ensure nothing is missed. This process shall provide for asset ownership, control, and protection as well as tax planning, wealth transfer, by purpose-oriented estate succession. It will also address investment management and risk tolerance, liquidity and the need for cash flow both now and in the future. Furthermore, it should address risk control using asset protection structures and insurance. For business owners and professional practitioners, wealth management shall also include the retirement plan, life, and disability protection arrangement for the owner and key staff. Should it be addressed systematically, this is an easy process. Here is how we have done it over the last 30 years.


Regency Capital Group Protocol 1

Intelligent wealth management protocol cannot be decided by focusing on one matter at the expense of the other. This would result in a distorted, out of balance plan. Unfortunately, we commonly see those kinds of plans. To decide what is important, we take our time to talk to you at length. We use checklists and protocol templates to make sure nothing is omitted. We specifically address every issue described above to help drive conclusions. This process is like a tripod that should be balanced on three legs: the people, the assets, and the objectives.


Regency Capital Group Protocol 2

Obviously, this is the most critical step. After the objectives are identified, a legal and financial structure is then designed to establish:

  • Legal ownership (which affects taxation and exposure to liability).
  • Asset control (either direct control or indirect using trustees, agents, representative or attorney in fact, etc.).
  • The current, and the successor, beneficiaries as well as the time and method of distribution

The legal structure must be composed with several matters in mind, including tax consequences, liquidity, and asset protection among other factors. Once the legal structure is established, it is funded with various investment and property according to the ownership design and beneficial structure intended. Those assets are then invested or managed, bearing in mind the objectives of the investment and risk tolerance.


Regency Capital Group Protocol 3

After the design stage is completed and re-evaluated, your team of professionals embark upon building the plan and putting it in place. This is the paperwork stage. This includes drafting, execution, governmental registration (if applicable), and so on. This step is performed by several professionals such as attorneys, investment advisors, broker-dealers, insurance companies, financial institutions, as applicable, each in there area of business. As a disclaimer, those professionals and institutions are not subordinate or under Regency’s oversight or control. We work in perfect synchrony together to serve you as a coherent team, but obviously, no professional is in charge of the work provided by other professional.

Regency Capital Group Protocol 4


In life, circumstances can and do change, sometimes quickly and updating one’s wealth management plan to accommodate those changes is as important as designing the plan in the first place. Most updates are due to one of those reasons:

  • Law and tax changes.
  • Family structure change, marriage, divorce, newborn, death, illness, aging, etc.
  • Change in financial needs or asset position.