We Help You Build, Preserve, and Transfer Wealth with Purpose
At Crest Financial Incorporation, our mission is simple—empower you to take full control of your finances with clarity, strategy, and confidence. We work closely with high-net-worth individuals, professionals, and families who want to grow, protect, and transfer their wealth in meaningful, lasting ways.
Through a disciplined, tax-optimized approach to wealth management, we help you make informed decisions that align with your values and long-term goals. Whether you’re at the start of your wealth-building journey or looking to preserve a legacy, we provide the structure and guidance to support your vision.
Strategic Asset Allocation & Portfolio Rebalancing
Our wealth-building process starts with strategic asset allocation—carefully distributing your investments across asset classes to manage risk and maximize returns based on your personal risk tolerance and financial objectives. We then apply regular portfolio rebalancing, adjusting your allocations as market conditions change to keep your strategy on track and your capital working efficiently for you.
This disciplined approach removes guesswork and emotional decision-making, helping you stay focused on long-term outcomes rather than short-term noise.
Comprehensive Financial Needs Analysis (FNA)
Understanding your full financial picture is key to building a solid foundation. With our Financial Needs Analysis (FNA), we evaluate your income, assets, liabilities, expenses, insurance, and retirement goals in detail. This gives us the insight needed to identify potential gaps and tailor a financial roadmap that fits your lifestyle and ambitions.
The FNA isn’t just a report—it’s the first step in a long-term plan to help you navigate everything from budgeting to investing to legacy planning, with complete clarity.
Tax-Efficient Investment Strategies
We believe that it’s not just about how much you make—but how much you keep. Our focus on tax-efficient investment strategies helps you preserve more of your earnings while still growing your wealth.
We guide clients through a range of tax-smart vehicles such as:
- Roth IRAs, offering tax-free growth and withdrawals
- 529 College Savings Plans, designed for education savings with tax advantages
- Tax-managed portfolios, structured to reduce capital gains and enhance after-tax returns
By minimizing tax exposure, we help you strengthen your financial base and ensure your money is working harder for you.
Retirement Planning with LIRPs
Planning for a secure retirement takes more than just saving. Our Life Insurance Retirement Plans (LIRPs) offer a powerful combination of tax-deferred growth, flexible access to cash value, and life insurance protection.
Unlike traditional retirement plans, LIRPs are not subject to IRS contribution limits and can be custom-designed to supplement your income in retirement. We help you structure your LIRP to align with your broader financial strategy—offering security, growth, and tax efficiency.
Aligning Your Financial Portfolio with Your Life Goals
Everything we do is rooted in one principle: your goals come first. Whether you’re planning to retire early, invest in your business, buy a home, or pass on wealth to your children, we align your portfolio with your unique objectives, risk profile, and values.
This goal-based planning ensures that every decision you make supports both your short-term needs and your long-term vision.
Legacy and Wealth Transfer Planning
Wealth isn’t just for today—it’s your opportunity to build something that lasts. That’s why we also help clients focus on legacy and wealth transfer planning, making sure the assets you’ve worked hard for are passed on smoothly and efficiently.
From estate planning to life insurance strategies and business succession, we help you put the right tools in place to ensure your wealth benefits future generations, with minimal tax implications and maximum peace of mind.