What We Do


Knowing how to fulfill your intentions begins with knowing your intentions. We utilize a discovery process to help you achieve clarity for what you want for yourself, your family and society.

Value of Discovery

The discovery process is the first step in our relationship with you.  You are asked what is important to them for yourself, your family and your place in society. We continue this conversation with you as we pose questions through one-on-one meetings and experiential based processes. These inquiries are designed to encourage you to reflect upon what you value most and what you hope to achieve in your life. After helping you develop a more complete knowledge of the ideas and objectives that are central in your life, we explore how your concerns and principles can shape your decisions and guide you to become more intentional regarding your time, relationships, health and money. The clarity achieved guides the relationship between you and Global Vision Advisors and shapes a plan of action.

Global Wealth Optimization™

We utilize a decision making system that empowers you to gain clarity and achieve confidence.

The system is divided into two parts by the planning horizon. Above the horizon we help you clarify, document and manage your vision, mission and values. We discern what and why decisions need to be made. Below the line we help you be more intentional with your wealth and help find appropriate strategies, tactics and tools. We determine who is needed and how best it can be done.

The first step is to complete our discovery profile process. This process leads to clarity around what is important and helps prioritize what areas of life need decisions.

The second step is where we utilize the resources of the firm and your existing advisors and/or bring in the right people to design the solutions best suited for achieving your goals.

The third step is to oversee the implementation of those decisions in a way that best matches your intentions and preferences.

The fourth step is to work on a plan to monitor solutions and provide communication to maintain confidence and sustain results.

Discovery Profile

The goal of the discovery profile is to help you clarify and create the life and results that you want for yourself so that you can move into each new stage of life with confidence. The process involves the following five steps:

In Step 1, we will help you capture and define your vision for your future and what is important to achieve for yourself, family, and society. We will document your vision in a written report that will allow you to confirm your vision and share it with others who are important in the process.

In Step 2, we will work with you to measure what is needed to accomplish your vision for the future. We will quantify each financial goal.

In Step 3, we will help you balance your wealth and how you allocate resources to time, health, relationships and money. We will assist you as you prioritize your plan and decision making.

In Step 4, we will help you discern among available choices and how to implement solutions.

In Phase 5, we will help you create an action plan to track your progress toward your vision and provide management of the results.


Family & Individuals

At Global Vision Advisors we work closely with you to determine your goals and then build or supplement an existing plan that it tailored to your objectives. We will discover and apply your personal investment characteristics, such as risk tolerance and personal constraints to your strategic plan. In order to help you achieve your goals we will establish investment guidelines and provide an investment framework around those goals. We’ll craft a strategy that complements your current plans and that looks to meet your short- and long-term visions.  We will regularly and carefully monitor your plan to help ensure that you stay on a successful track.

We offer wealth management services targeted to your specific place in life whether it be in the accumulation, Independence, or transcendence phase. We offer an integrated approach with respect to the wealth management process. As an independent advisory firm we have access to a wide array of institutional asset management firms and can provide a customized plan that supports your objectives.

We work closely with you to help ensure that your plans meet your comprehensive needs and goals. We utilize estate planning, and, depending on your goals, our charitable planning expertise, to help protect, preserve and transfer your wealth. Our greatest strength is our ability to build long-term relationships, and we pride ourselves on our commitment to integrity, stability and the highest standards of excellence.

You can choose to allocate your wealth among three primary beneficiaries: your heirs, the government and/or your favorite charity. Your choice can have a profound impact for generations to come. Like most people, these thoughts raise concerns. Am I ready yet? Have I arranged to transfer the maximum amount of wealth to our children? Have I successfully minimized the impact of taxes? We can help you to answer those questions by being your advocate, as well as designing a disciplined approach to review and revise your plans moving forward.  We make sure your plan addresses all of your concerns, as well ensuring that your heirs have the knowledge and capabilities to handle the execution of your wishes. At Global Vision Advisors, we’re here to help you achieve your goals, plan your family legacy, and feel confident about the direction of your philanthropic projects.
While the history of socially responsible investing can be traced back hundreds of years, the impact of it has been most substantial during the last several decades. As an investment discipline, it has been distinguished by values based screening that eliminated categories of stocks such as those of companies that produce alcohol, tobacco, or weapons. This form of socially responsible investing helped to incubate the more powerful version that exists today. Socially responsible investing is being replaced by sustainable investing.

Sustainable investing focuses on investments in companies that meet positive environmental, social and governance (ESG) criteria. It is a progressive approach to investments based on the conviction that great companies can serve the bottom line as well as environmental and public concerns, internalize the full cost of their products and services, and embody principles of good corporate governance. The philosophy of sustainable investing holds that companies that are leaders in ESG are likely to represent smart investment choices since these criteria allow us to identify well-managed, forward thinking and innovative companies. 
The following link to the 2007 Moskowitz Prize winning study offers information suggesting that these forward thinking companies not only have happy employees, but they also have very strong stock performance http://www.haas.berkeley.edu/responsiblebusiness
/2007MoskowitzPrizeWinner.html. The depth and breadth of sustainable investment tools and resources available now enable investment advisors such as Global Vision Advisors to apply our traditional investment processes to the exciting and expanding universe of sustainable investments.

To read more about emerging trends in sustainable investing, click here to access the article “From Socially Responsible Investing to Sustainable Investing” by Joe Keefe (Green Money Journal, May/June 2007 issue). http://www.greenmoneyjournal.com/article.mpl?newsletterid=41&articleid=544

Many studies have demonstrated that it is now possible to achieve consistent profitable returns while making a difference in the world. Research indicates that there are compelling positive links between ESG performance and financial performance. Many of these companies that form the core of sustainable investment portfolios have had significant outperformance of their stock prices. For example, the Domini 400 Social Index, a sustainable investment portfolio, has demonstrated better returns over the past 17 years when compared to the S&P 500 index. To learn more about this growing body of research and to view the results of numerous studies that have been conducted on socially responsible and sustainable investing, click here.

Conclusion: Socially responsible investing under any name has changed dynamically during the last decade. It is now a proactive and positive discipline that is pulling innovative and vibrant companies to it. It is no longer a fringe movement for special interests, but rather a mainstream investment style that has the power to transform the world in which we live.

Business Owners

At GVA we work with your advisory team of CPA and/or business attorney to provide the right structure to help leverage the best result for your business and its owner/shareholders. We have strong relationships with several legal and accounting firms with whom we work and would be pleased to provide references and referrals.

Global Vision Advisors can provide

  • Qualified Retirement Plans 401(k), profit sharing, deferred benefits, 403B
  • Voluntary Benefits: Life, Accident; Short and Long Term Disability; Individual, Executive and Group Qualified Long-term Care; Critical Illness
  • Section 125 plans and premium-only plans (POP)

Our business operations expertise provides us with the unique capability to offer integrated strategic planning services, particularly for closely held businesses. Our advisory services can help owners and executives manage your way through challenging financial and leadership transitions. We work with experienced colleagues in the legal, banking and investment arenas, who, as a team, can provide support to business owners during a transition. Consulting services are available on a project basis.

Retirement plans have become more complicated than ever. Today, employers have to take their roles as plan fiduciaries very seriously. Under ERISA Law, employers can be held liable if they violate duties of prudence, diversification or adherence to the documents governing the plan. What does this mean for you? How do you — as an employer who is running a business and dealing with customers every day — find the bandwidth to ensure you are acting responsibly as a plan fiduciary?

At Global Vision Advisors, we can provide the vendor analysis, plan investments, fee structure analysis and employee education that your business requires. We have long-established and strong relationships with the top financial institutions in order to provide the right retirement plans for your unique company. Whether your needs are for a traditional 401(k) plan, or one with a profit sharing plan option, or a defined benefit plan, we can help you navigate the choppy waters of compliance with the IRS, the Department of Labor and other governmental agencies to ensure smooth implementation as you provide a key benefit to your employees. We offer a no-obligation review of your situation to see if your plans meet the current guidelines and offer your employees the best investment choices.

For over 40 years, we’ve offered a review of business or family requirements for all types of insurance in the life, health, disability and long-term care arenas. Additionally, in the financial planning assessment, often times, we will uncover requirements for managing risks in the wealth preservation and transfer phases of a family owned and managed business, where sophisticated uses of life insurance may protect the inheritance of the next generation.

Retirement Requires A Tax-Deferred Plan

Taking control of retirement assets begins with early planning. Because retirement assets that accumulate in employer-sponsored 401(k) plans, IRAs and annuities grow on a tax-deferred basis, all of the earnings — growth dividends, capital gains and interest — are added to the investment for future compounding. The earlier you begin saving, the larger the total amount can grow. Since annual maximum limits are placed on contributions to individual retirement savings plans (for 2006, that’s $44,000 in Keoghs/SEPs, $15,000 in 401(k)s ($20,000 for those age 50 and above), and $4,000 in ROTH/IRAs and $5000 for those age 50 an above) you may be looking for other tax-advantage vehicles. Annuities are becoming more popular for just that reason. Because the assets in a fixed annuity grow on a tax-deferred basis and there are no annual contribution limits, they can be an excellent choice as supplemental retirement savings vehicles.


Annuities are flexible insurance contracts designed to provide income and help families and individuals achieve long-term savings goals. Annuities are a popular savings vehicle, and are essentially a long-term contract between you and an insurance company. Annuities have two stages: the accumulation phase and the payout phase. During the accumulation phase, you make purchase payments to the annuity, either in one lump sum or on an on-going basis. An annuity grows tax-deferred during the accumulation phase. It is similar to a traditional IRA or 401(k) where the gain is taxed when you choose to withdraw those gains from the annuity. After making a single lump-sum premium payment, or a series of periodic payments, you can then receive regular annuity payments from the insurance company. These payments can be made over a definite period of time, or they can last a lifetime. Payments to the annuity owner can also be tailored to begin after the contract has been established for a number of years, or they can begin immediately after the first premium payment is made.

Fixed Annuity

A fixed annuity is a tax-deferred investment that offers a competitive interest rate over a specified period of time.

  • Fixed annuities are often used for additional retirement income and to diversify your portfolio.
  • A fixed annuity can add stability in your portfolio, providing fixed income no matter what happens in the stock market.
  • A fixed annuity has none of the risk and volatility of a stock-market investment and can be more stable than some other fixed-income instruments.
  • 401(k) Plans and other Employer sponsored Retirement Plans. As a general recommendation it is advisable to participate in a corporate sponsored retirement plan. The main advantages are:
  • You are not taxed currently on the portion of compensation that is placed in the plan.
  • An employee has the option of choosing between cash or future benefits on a year-to-year basis.
  • The contributions enjoy tax-free reinvestment of earnings and the opportunity to receive special tax treatment on certain plan distributions.
  • The plans frequently features an “employer matching” provision in which the employer makes a contribution to the plan equal to (a certain percentage of) the employee’s contribution.