Services for Individuals

At Vibrance Wealth Management, we take the time to understand your unique and complex financial situation. We customize our Silicon Valley wealth management services and strategic solutions to help you achieve your financial goals during different stages of your life, including wealth accumulation, wealth preservation, and wealth transfer. We are here to help you make better financial decisions to achieve better results.

• Cash flow management
• Debt management
• Goal-based investment management
• Life insurance planning
• Education planning

• Risk and liabilities management
• Estate planning
• Taxation management
• Retirement planning
• Retirement income planning
• Extended care and health insurance planning

• Asset protection
• Charitable gifting
• Beneficiary planning
• Financial conversation with your next generations

We believe the discovery stage is a very important step to starting our relationship. At Vibrance Wealth Management, we spend a significant amount of time understanding how you got here, what your current financial situation is, and where you want to go next. We want to know your dreams, aspirations, passions, and motivations, as well as your fears and challenges. We want to know what the purposes of your wealth and what matters to you financially.

Each client is unique. Most broker-dealers or independent financial firms with a large client base use a cookie-cutter portfolio approach because you are just a number to them. Vibrance Wealth Management customizes our investment strategies and solutions for you based on a deep understanding of you that we develop during the discovery stage.

At Vibrance Wealth Management, we believe in a team-based approach to formulate the best strategies. When necessary, we bring in specialists, such as tax advisors, estate planning attorneys, and family law attorneys to help you strategize and offer tailored solutions. We also engage with your existing trusted advisors to ensure that we are all on the same page and working towards your goals.

The market changes happen, as do changes to your life. As we get updates about shifts happening in your life, we adjust our plan for you accordingly. We stay in constant touch with you to keep you informed about the economy and your investment portfolio.

See It and Believe It, Believe It and See It
When building your house, you must have a blueprint. When building your wealth, you need a financial plan. At Vibrance Wealth Management, we inspire you to visualize your financial future. Through the power of visualization, we help you focus on your long-term goals and what you can control. We then factor your dreams and goals into an actionable plan. Along with robust financial planning tools, we offer you our honest advice about what needs to be done so that you can achieve your dreams with confidence.

Without specific action items and a schedule, it is easy to feel overwhelmed and procrastinate. Vibrance Wealth Management creates an achievable timeline for you and breaks it down into small specific steps that allow us and you to keep track of your progress.

Planning for the future can be scary and emotional, which makes us want to avoid doing this. At Vibrance Wealth Management, we help you plan for any “what-if” scenarios that may arise in your financial situations so that you are protected from the unexpected. You will feel freer, more relaxed, and able to spend quality time with your loved ones.

Our portfolio strategy is to structure an optimal diversified portfolio to meet your long-term investment objectives and risk tolerance. We apply strategic asset allocation to set long-term targets with periodic rebalancing back to the target guideline. Meanwhile, we also apply tactical asset allocations that are adjusted based on current market events. As such, we maximize the risk-adjusted return while minimizing the downside risks.

We believe that there are always opportunities in different market situations. To capture short-term investment opportunities, we apply satellite strategies, such as sector, alternative, and tax efficiency strategies to complement your core portfolio in response to different market situations and your income tax situation.

At Vibrance Wealth Management, we believe active and passive management can complement each other. Both have their benefits and shortcomings. Active management seeks to outperform benchmarks. However it comes with higher expenses because skilled managers actively trade in the portfolio. On the other hand, passive management is to mimic benchmark returns. It is less expensive and more tax efficient than active management. We conduct extensive research to identify those active management strategies that bring value and then we apply those strategies. Or, we use passive management strategies so that we can balance costs and values.

Since our clients are in high tax brackets, we focus on after-tax returns. We take advantage of all tax-efficient strategies and vehicles in our investment and financial planning process to make our clients’ financial portfolio more tax-efficient.

At Vibrance Wealth Management, we believe that life insurance is an important part of everyone’s financial portfolio. If used correctly, life insurance can be a very powerful tool to help you protect your loved ones and your assets, as well as plan for your retirement, business succession, and legacy in a tax-efficient way.

Other than transferring the risks to the life insurance carriers, you can enjoy tax benefits with a life insurance policy including:

• Tax-free death benefits
• Tax-deferred growth, if there is cash value
• Tax-free withdrawals, if there is cash value
• Tax-free exchange, if there is cash value

At different stages of your life, you will need different types of insurance. At Vibrance Wealth Management, we specialize in customizing a life insurance policy that fits your current situation and can help you achieve your goals. We help you decide the following:

• The right coverage
• The right policy
• Life insurance carrier selection
• The right structure such as the ownership and the beneficiary designation
• Whether to keep your existing policies or not

We realize that most policy owners do not review their life insurance policy once it is in force. They keep paying the premium or stop paying and the policy becomes underfunded. Some will eventually let their policy lapse.

At Vibrance Wealth Management, we review life insurance policies and can quickly address concerns and provide recommendations. Just simply answer the following five questions and we will contact you with our recommendations.