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Customized Benefits

We strive to help you pursue your financial goals and objectives. Our experience in the application of planning strategies results in bottom line results. We create for you an individually tailored Financial Game Plan that may apply to the following areas:

Tax Planning

Often individuals, businesses and estates pay more in taxes, because they don’t take advantage of the tax relief and incentive provision contained in the Internal Revenue code.

MasterTech Financial uses tax deferral, employer fringe benefit programs, tax exempt trusts, income shifting to family members with lower tax brackets and the conversion of ordinary income to capital gains to help accomplish significant income tax reductions.*

Asset Protection Strategies

Frivolous litigation is rampant in America. Individuals with deep pockets, business owners and medical practitioners are often the targets of these lawsuits.

We believe that the best defense is a great offense! We identify opportunities to help protect your assets, and when properly integrated, can also help facilitate income and estate tax reductions!


We often discover that existing investment accounts focus strictly on Buy and Hold Asset Allocation models. This approach leaves the account susceptible to down side market risk and often limits upside potential. Many investment advisors focus exclusively on good equity and bond diversification and ignore alternative investment strategies.

MasterTech Financial customizes an investment process that utilizes multiple strategies and is designed to potentially minimize taxation, accommodate volatility, create true diversification and pursue growth objectives. We use academically based, dynamic portfolio calculations in conjunction with alternative investments to help reduce down side risk, while maintaining optimal growth potential.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

Customized Estate Planning

Many families find themselves in financial chaos when a loved one passes or becomes disabled. The burden of probate (public disclosure of asset ownership, advertising to creditors, time delays and extra costs) and conservatorship (embarrassment, lost time and expense) can be devastating to a family during this time.

We will help design strategic techniques that can help mitigate estate taxation, achieve desired distribution objectives, eliminate probate and avoid conservatorship. We also provide you the tools to have a well-organized and easily understood "Financial Plan".

Life and Disability Insurance Analysis

Insurance is an important financial instrument that many people fail to effectively utilize.

We carefully evaluate your situation to determine if you are maintaining the appropriate amounts and types of insurance. Our access to non-proprietary insurance products helps us obtain our goal of objectivity. Private placement, estate tax funding, buy/sell risk shifting, survivorship income and tax advantaged accumulation techniques can be the foundation blocks of contemporary insurance instruments.

Business Considerations:

Corporate Fringe Benefits

Fringe Benefits programs for "key" employees and owners are great tools that can be tax advantaged. Health benefits and qualified plans are common, but do not meet the special needs of "key employees" and owners.

We design Non-Qualified Deferred Compensation (NQDC) techniques that reward and retain "key" employees, work to reduce corporate income tax liability and may lower personal income taxes. Our experience in the integration of qualified plans with non-qualified strategies may often result in expanded tax deferred benefits.

Business Continuity Planning

Business Owners become so preoccupied with the day-to-day operation of their business that they tend to procrastinate or fail to adopt a proactive planning posture.

A well-designed Exit Strategy can integrate constructive tax planning with ownership transition to a future generation and mitigate the financial risks of death and disability. We provide access to innovative planning strategies that may totally mitigate income and capital gains taxes, upon the sale of your business enterprise. MasterTech Financial acts with pleasant persistence to educate and help get the job done.

*For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Woodbury Financial nor any of its representatives may give legal or tax advice.