Sammut Wealth Management

Who We Help

Based in the Finger Lakes region of Central New York, Sammut Wealth Management has over two decades of experience delivering investment management and consulting services to clients across the United States. Our clients include executives, business owners, and families who are seeking to make better, more informed investment decisions.

Executives

Your company may explain the mechanics of exercising your stock options, but they can't tell you when to exercise or how much you should own relative to your net worth. At Sammut Wealth Management, we help executives answer these key questions and more. We provide guidance on the timing of stock option exercises, the management of concentrated stock positions, and the tax implications of equity compensation.

Business Owners

A surprising majority of business owners have no transition plan in place. When it comes time to make important decisions about your business, will you be ready? At Sammut Wealth Management, we help business owners create and implement transition plans that align with their personal financial goals. We also provide consulting services on retirement planning, tax savings strategies, and business continuity.

Families

Family financial conversations are rarely easy. Many people are uncomfortable and resist talking openly with loved ones about important wealth planning matters. At Sammut Wealth Management, we help families navigate these difficult conversations and create wealth management plans that reflect their values and goals.

What We Do

Our consulting process provides clarity and saves you time. At Sammut Wealth Management, we offer a comprehensive range of fiduciary services, including:

• Stock Options, Restricted Stock & ESPP: We help you determine how much company stock is too much and when it's time to diversify. We also provide guidance on the tax implications of equity compensation.
• Discretionary Investment Management: We ensure that your portfolio is aligned with your risk, return, and liquidity needs. We leverage our Risk Number technology to provide a customized perspective on your investments.
• Retirement Cash Flow Planning: We help you develop a plan to ensure that your money lasts longer than you do. We provide guidance on when you should begin taking Social Security and help you identify potential risks to your retirement income.
• Education Funding & Saving Strategies: We help you prepare for the high cost of educating your children. We provide guidance on how much you should be saving for college expenses and the most appropriate savings strategies.
• Business Owner Planning & Liquidity Events: We help you create a plan for your business in the event of unexpected circumstances. We also provide consulting services on retirement planning, tax savings strategies, and business continuity.
• Integrated Tax Planning: We help you identify missed tax-loss opportunities and ensure that your tax strategy is aligned with your investment program. We also provide guidance on tax withholding and estimated payments.
• Life Insurance Strategy: We help you determine if the type and amount of insurance you have in place is appropriate. We identify opportunities to increase coverage, reduce premium expense, or both. We also ensure that your permanent life insurance policies are still on track.
• Coordinated Trust & Estate Planning: We ensure that your documents are up-to-date and accessible when needed. We review your beneficiary designations and determine if a Revocable Trust is appropriate for your situation.