Financial Planning Services

Retirement Income Planning: We specialize in retirement income planning. Our comprehensive analysis of your income needs and desires in retirement ensures a careful distribution of the assets you have worked hard to save.

Retirement income planning can be a complex process to many individuals as they work toward retirement and beginning the second act of their lives enjoying the fruits of their labor. According to a study in May of 2009, Kiplinger’s Personal Finance found that 70% of retirees overestimate how much they can safely withdrawal from their retirement savings.

At Balsam Capital Group, we want to ensure that your money outlives you rather than you outliving your money. Our goal is to help you enjoy a happy, healthy retirement and leave a lasting legacy.

Retirement Plans: If you currently have a pension, 401(k), profit sharing plan or money purchase plan, we offer a comprehensive analysis of your existing plan and objective solutions tailored to fit your needs. We work with many professionals and corporations to offer retirement plans for their employees as a key benefit to maintain a competitive advantage.

Insurance Services

At Balsam Capital Group, we offer a host of insurance services and solutions. Whether you’re looking to provide for loved ones in the event of an untimely passing, increase the legacy you’re able to leave your beneficiaries, utilize conservative strategies for asset accumulation, or simply protect the savings you’ve spent a lifetime building, we have a wide array of products to meet your needs.

Life Insurance

  • Term Life
  • Whole Life
  • Single Premium Life
  • Universal Life
  • Fixed Index Universal Life


  • Single Premium Immediate Annuities
  • Traditional Fixed Annuities
  • Fixed Index Annuities
  • Multi-Year Guarantee Annuities

Asset Protection Solution

  • Individual Long Term Care Insurance (LTCi)   Policies
  • Group LTCi Policies
  • Home Health Care Coverage

Estate Planning and Elder Law

Even if you have taken all of the steps you feel are important to leave your estate in good order, the environment we live in continues to change. Financial Planning and Estate Planning are integral parts of your life – especially in retirement – to ensure proper transfer of your assets and the legacy you wish to leave. We work closely will skilled professional attorneys, both locally and regionally, specializing in Estate Planning and Elder Law. If you choose, we will work with your current attorney or assist in any necessary transition.

We encourage you to review your existing plan if you live in North Carolina or Maryland or have moved to another state. Always review your beneficiaries or plans when a major life event takes place such as: marriage, divorce or a death in the family.

Fee-based Wealth Management

For Individuals, Professionals and Retirement Plans.

We provide ongoing due diligence, advice and asset management for your investments based upon your goals and objectives. Together, we will tailor your Investment Policy Statement, outlining your preferences and timelines for effective management of your portfolio.

Portfolios created by Balsam Capital Group may include any or all of the following types of investments: Individual equities, no-load mutual funds, ETF’s (Exchange Traded Funds), municipal and corporate bonds, government securities, alternative investments and insurance products.

A comprehensive detail of your assets is taken into consideration in developing any plan to insure proper asset allocation, risk management and the objectives set forth to meet and exceed your stated goals.

Long Term Care Protection

Long Term Care costs can quickly deplete one’s life savings. The average cost for care in a round-the-clock skilled nursing facility is over $76,000 in the United States. Yet, long term care protection is an often overlooked component of individuals’ overall financial plans. We work closely with local Long Term Care specialists to find the best coverage within your budget to protect your hard-earned assets.

Comprehensive Wealth Solutions

We offer a total wealth management solution for each client allowing you to focus on the core areas of your personal lives with greater security and peace of mind.

Our holistic approach to Financial Planning includes:

  • Extensive analysis and consultation
  • Establishment of financial goals and objectives
  • Development of a detailed written plan or “roadmap” to meet stated objectives
  • Implementation and monitoring of the plan utilizing a process of rebalancing to maintain   effective portfolio optimization.

In working with you, our comprehensive approach allows us to focus on all areas of concern and may include but is not limited to:

  • Current Investment portfolio analysis
  • Taxation
  • Risk assessment
  • Estate planning and tax analysis including legacy planning and multi-generational transfer
  • In-depth retirement income planning and distribution strategies in a tax-aware process
  • Life insurance and current needs analysis
  • Business consulting
  • Escrow agency and management
  • Education planning and funding

Fee Structure

Our planning services are based on a $200 per hour fee. A fixed fee may be agreed upon in place of an hourly rate.

Portfolio Management Fees

Fees are charged for the management of investment portfolios as a percentage of assets under management.  The following schedule applies to individuals, retirement plans, charitable organizations and estates.

Assets Under Management Annual Fee

  • Up to $1,000,000 1.75%
  • +$1,000,001 to $3,000,000 1.50%
  • +$3,000,001 to $5,000,000 1.25%
  • $5,000,001 and Above Negotiable
  • Held Away Accounts 1.00%

Our fees are graduated and paid in arrears on a quarterly basis billed to the client and debited directly from the portfolio. The minimum account size is $50,000 at our discretion. Clients with investible assets will be considered based upon their overall situation.