Our Expertise

Circle of Services

Personal Solutions

Angulo Strategies provides individuals and families access to innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.

Investment Advisory

Managing your wealth requires a clear understanding of your overall investment objectives. Eagle's comprehensive investment advisory capabilities utilizes a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons, to provide a clearer picture of our clients' overall wealth.

College Fund Planning

There are multiple routes that you could take when deciding how to establish college savings, and the route you decide will depend on personal preference and circumstance.

Some possible strategies for establishing a college fund are:

  • Grants
  • Financial Aid
  • Tax Credits
  • Investments
  • Loans
  • 529 Plan
  • Uniform Transfers to Minors (UTMA) and Uniform Gifts to Minors (UGMA) Coverdell Education Savings Account

Grants come from the Federal Government and do not have to be paid back. Financial Aid assistance can come from Federal, State, or local resources in the form of scholarships, grants, or loans which will need to be paid back. Students looking to receive financial aid or grants will have to meet certain requirements and criteria, so if you’re hoping for your child to receive these it is best to find out the criteria beforehand to gain a better understanding of whether your child would qualify.

Tax credits can be a great strategy because the amount credited is deducted from your total taxes due. There are two types of education tax credits that could be used to establish a college fund, the Hope Credit and the Lifetime Learning Credit. In order to qualify for both of these, your income needs to be below a certain amount. Investing money specifically for your child’s college education is the most common strategy for establishing the savings fund, but it is important to remember the earlier the account is started the better as investments grow larger over time.

With college tuition continuously increasing, the ability to pay for college experiences outright has decreased, and more and more students find themselves borrowing to pay for at least part of their education. While many negative things have been said about borrowing, as long as you don’t borrow more than you need and you take repayment seriously it can be the winning strategy for your family to choose. 592 plans are named after the tax code that makes them possible. There are two different types of 592 plans available and individuals should always consider the expenses, fees, and tax ramifications that go along with this option.

Uniform Transfers or Gifts to Minors allow you to set up accounts in your child’s name. These accounts allow a custodian to deposit on behalf of a child, but there are per year/per child stipulations so it is important to know the rules associated with your account. Coverdell Education Savings Accounts, or Educational IRA’s as they were formerly known, allow you to make contributions for your children until they are 18 years old, although it is advised you be aware of any contribution limitations and income requirements.

The best way to decide which savings plans most accommodate your lifestyle would be to discuss your options with a financial professional.

Retirement Income Planning

You’ve worked hard. You’ve made the right moves planning for your retirement. Why not add more guaranteed income to your retirement cash flow?

A guaranteed* income annuity from New York Life can help provide the income your retirement deserves with a guaranteed income stream for life. Simply put, it’s more income you can count on no matter what. You can purchase one before or after you retire. The money in your annuity—which you invest as a lump sum or through a series of payments, depending on the policy you choose—generates a stream of income paid to you for your lifetime. The amount you receive depends on several factors, including your age, gender, premium amount, and your chosen payout option.

All guarantees are backed by the claims-paying ability of the issuer.

Financial Planning*

A comprehensive financial analysis of assets, liabilities, cash flow and investments helps us identify a clear path to our clients' prosperous futures. We'll craft a detailed financial plan that helps you have the right wealth accumulation and preservation strategy in place to achieve your long-term investment objectives. More importantly, we continuously monitor and adjust our client's financial plans to ensure that they remain aligned with their stated objectives.

Offered through Barjes' affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

Investment Advisory
Services Offerings

Fund Advisory Program

This program combines the expertise of professional investment managers with the service and guidance of our firm's Financial Advisors. By analyzing your overall investment goals, risk tolerance levels, and liquidity needs, we'll help you determine which investment portfolio allocation, consisting of an optimal blend of non-proprietary, mutual funds and/or exchange-traded funds (ETFs) is most appropriate for your investment goals and specific situation.

Separately Managed Accounts

Separately Managed Accounts ("SMAs") are a type of professionally managed investment accounts that invests in individual securities on a discretionary basis and provides our clients the flexibility of restricting the holding of certain securities and tactically utilizing gains and losses for tax planning purposes. Our firm's Financial Advisors will leverage Eagle's robust offering of non-proprietary SMA strategies available through third party money managers to either custom design a holistic investment portfolio or will utilize individual strategies to address your specific allocation needs.

Rep Directed Program

This is an investment advisory program through which our firm's Financial Professionals will construct a customized portfolio of individual mutual funds, exchange traded funds (ETFs), and in some cases, individual securities, using the strategic asset allocation framework developed by Eagle Strategies and a leading institutional asset manager, or simply by our firm's Financial Professionals. We'll seek to utilize an optimal blend of asset classes that helps maximize long-term returns, manage overall portfolio volatility and achieve investment objectives while remaining aligned with your risk profile.

All investment advisory services are offered through Eagle Strategies LLC, a registered investment adviser. All investments involve risk including the potential loss of principal. Investing in an ETF will give the portfolio exposure to the securities comprising the index on which the ETF is based and will expose the portfolio to risks similar to those investing in those securities. ETFs are subject to market price risk. Shares of ETFs are traded on an exchange and will trade at market price, which may be above or below its net asset value (NAV). There is also a liquidity risk in that the trading of an ETF may be halted due to such things as market conditions. The investor will pay brokerage commissions in connection with the purchase of shares of ETFs.

Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out - or for someone who's starting over.

Whole Life

Term Life policies provide coverage for a specific amount of time - such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life

Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rate or charges fluctuate.

Variable Universal Life

Variable Universal Life Insurance combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You may allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risk along with the potential for reward.

These products are offered by prospectus through NYLIFE Securities LLC. (member FINRA/SIPC), and a Licensed insurance Agency. Be sure to request one and read it carefully before investing as both the product and investment options prospectuses provide complete information you need to know regarding charges, expenses and risk factors.

Survivorship Life

Survivorship life insurance - available as whole life, universal life or variable universal life - covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or changes fluctuate.

Wealth Management
and Retirement Planning

We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerances and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Business Solutions

Here at Angulo Strategies, we offer access to a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and execute customized plans to help entrepreneurs meet their objectives. Some of our key services are detailed below.

Executive Benefits

The success of most businesses is tied into the talent, passion and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you fund non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.

Employee Benefits

Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. We strive to know and understand your complete financial situation and provide you with the highest quality of information, products, and services to help you reach your goals. Our clients rest assured knowing that we always have their interests at heart.

Focusing on your objectives, budget and culture, we work with you to custom design your group benefits, qualified retirement plans, and voluntary benefits plans to address your employees’ unique needs. Our strong relationships with insurers enable us to effectively represent your employees to ensure claims and issues are resolved promptly.

Succession Planning

Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.

Key Person Insurance

Key person life insurance offers a death benefit that helps indemnifies an employer for the loss of one of its most important assets - the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.

Funding Buy-Sell
Agreements

A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money when the event is triggered.

Funding Deferred Compensation

Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.

Financial Organizational Tools

Here at Angulo Strategies, we offer access to a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and execute customized plans to help entrepreneurs meet their objectives. Some of our key services are detailed below.