tillit

Tillit Advisors LLC
P.O. Box 2310
Princeton, NJ 08543

Our Philosophy

Tillit has a unique philosophy in advising clients with planning, execution and oversight of wealth enhancement, tax minimization and portfolio optimization strategies.

As a Tillit client, you will appreciate a comprehensive approach to personal wealth from professionals who avoid all conflicts of interest and:

are always acting as fiduciaries;
do not sell insurance or investment products;
refuse referral fees;
let you custody your assets wherever you wish;
negotiate fixed fees that are based on the complexity of your situation and your access to our services and not based on the size of your portfolio;
do not take fees directly from your investment accounts.

You will get straight talk, with significant tax, financial and estate planning and investment management recommendations in writing. You won’t get complicated investment recommendations from us with fine print that disclaims any obligation for tax issues or says that you should “seek the assistance of your accountant”. You will benefit directly from our tax expertise and experience.

We believe it is critical that we assist you in identifying a broad range of financial risks and help you assess your personal risk tolerance across the entire wealth spectrum – not just in your stocks and bonds portfolio.

We believe that the term “wealth management” is often used interchangeably with investment advice. The Tillit definition of wealth management is comprehensive. First and foremost, it requires a seasoned professional with a broad range of experience in financial planning, income and estate taxation, and investment strategies who is capable of a sensitive assessment of individual and family goals and objectives and to monitor those priorities on a continuing basis.

We also believe wealth management encompasses current and future earned income analysis, employment-based investments (deferred compensation, restricted stock, etc.), comprehensive income and asset risk management, acquisition, control and disposition of family-owned businesses, income and estate tax minimization, estate planning and intergenerational wealth transfer, and family office and trust administration. While these services are critical to wealth management, they are beyond the scope and expertise of most investment advisers. In fact, it is only after these matters have been comprehensively addressed that most families are in an informed position to comprehend how much they have to invest and how much portfolio risk they can comfortably assume.

Once we reach this stage with our clients, we offer them a choice of how to invest in cash, bonds and other marketable securities. We will recommend a portfolio of index funds and/or ETFs to capture “the market”, taking into account our client’s portfolio risk tolerance, time horizons, employment risk, cash flow needs and other investments (such as trusts, 401k plans, restricted stock, etc.). If desired, more complex investment products can be managed through other investment manager relationships.

Our energy is focused on helping clients succeed in achieving a sense of security by managing their wealth and financial risks as effectively as possible while letting them enjoy life in their precious spare time.

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