Everyone needs an estate plan, a strategy for passing on their wealth to their heirs, either before or after death. With an estate plan in place, you can feel confident that your family and other loved ones will be well cared for after you’re gone. The transfer of wealth is a crucial component of estate planning. You need to decide who will receive your property and money and when they’ll receive it.
SD Mayer, based in San Francisco, can help you develop wealth transfer strategies that minimize your tax burden and ensure your loved ones get to keep as much of your wealth as possible.
Wealth transfer involves passing wealth from one generation to the next. Wealth is a broad term that encompasses all your assets, including investment accounts, real estate, personal property and cash. Wealth transfer planning is a key part of estate planning and is essential for growing or preserving your family’s wealth.
An effective wealth transfer strategy can help you avoid the problems that can come after a person’s death. One common issue is a dispute over who gets what from the estate. Family members can argue over which person is meant to receive certain property or assets unless your estate plan clearly states your wishes and expectations.
Financial concerns can also interfere with the wealth transfer process. Assets can be mismanaged, leading to a decrease in value. Taxes are another concern that can eat into a family’s wealth. There are also unexpected risks or liabilities that can reduce the value of your assets or otherwise interfere with the passing of wealth to the next generation.
The legal system can also interfere with the wealth transfer process. For example, probate can delay the transfer of assets from the estate to the heir.
Your finances and assets are unique. SD Mayer understands that, which is why we work with each of our wealth transfer clients one on one, providing an individualized plan and advice.
Our team has years of experience with wealth management and estate planning. We draw on this experience when working with our wealth transfer clients to provide guidance that makes sense for your particular situation.
We offer holistic services to our clients, enabling us to see beyond your estate. We can provide year-end and tax planning, which gives us a full view of your financial situation and can help us make appropriate recommendations regarding transferring your assets. It’s often the case that something that affects your estate and wealth transfer plan also affects your other finances. We can update you about changes impacting you and help you find solutions.
Contact UsSeveral steps are involved in effective wealth transfer. The first is planning.
The sooner you start to develop a plan to transfer your assets, the better. Advanced planning reduces the chance of disputes and can help to reduce your tax burden.
Several tools are available to help facilitate the wealth transfer process and reduce tax liabilities and delays. A will lets the world know what your wishes are and streamlines the distribution of your assets. A trust streamlines the process of distributing wealth to your heirs.
Wealth transfer planning considers the needs of the next generation and the challenges that can come up. It aims to minimize interference and reduce disputes and disharmony.
When wealth transfer succeeds, it can preserve your family’s wealth and keep them financially stable for generations to come. It also minimizes stress on your remaining family members, as it makes clear what your wishes are and leaves little room for debate. With a wealth transfer strategy in place, you can help your family thrive and realize its goals and values, even once you’re gone.
Planning for the future allows you to protect your family and ensure they are cared for, even when you are no longer with them. Wealth transfer planning is just one aspect of estate planning that we can assist you with. Contact us today to learn more.
Consultant
Fully Remote
With an illustrious career spanning over 17 years, Eliza stands as a beacon of excellence in sculpting and guiding the ‘People’ functions at various companies. Her journey, rich with challenges and triumphs, has seen her navigate the turbulent waters of startups, foster growth in emerging firms, and maintain equilibrium in mature organizations.
A cornerstone of Eliza’s approach is her innate ability to form strategic alliances with C-level executives, leaders, and managers. Through these collaborations, she has been instrumental in laying down operations and crafting business environments that not only function effectively but also consistently achieve desired results. Her expertise shines brightly in areas like compensation strategy, performance management, and operational strategy.
Under Eliza’s leadership, both in-person and remote workplaces have thrived, gaining national recognition. A testament to her proficiency is the slew of awards her initiatives have garnered, most notably including the accolades of ‘Best Places to Work in the U.S.’ and ‘Best Places to Work in San Francisco’.
In Eliza, companies don’t just find a professional; they discover a visionary dedicated to creating workplaces where people flourish and business thrives.
For more information about WOVEN: wovenhr.com
Director
Menlo Park Office
With an association stretching nearly a decade at SD Mayer and over 25 years deep-rooted in the financial services arena, Thérèse stands as a beacon of knowledge, efficiency, and dedication. Anyone on the wealth management team would testify that Thérèse is truly the backbone of their operations. Without her meticulous attention to detail, vast experience, and commitment, navigating the financial maze would be a daunting task.
Among her extensive repertoire of roles, Thérèse masterfully prepares and assists with client meetings, ensuring each interaction is seamless and productive. Her proficiency extends to creating and maintaining comprehensive financial plans. She oversees the intricate process of applications for investments and insurance, deftly manages underwriting for insurance clients, and ensures that policies are serviced promptly. Her role in distributing quarterly reports and managing IRA client’s annual Required Minimum Distribution epitomizes her efficiency and precision. Furthermore, Thérèse expertly navigates the administration of our Irrevocable Trust clients, handling aspects from banking and Crummey Letters to insurance premium payments.
However, Thérèse’s dedication is not confined to the corridors of SD Mayer alone. Thousands of miles away in Kenya, she has a second home and a second calling. Leading the non-profit, Sabore’s Well, she has played an instrumental role in building a school and installing two life-changing wells. This venture not only speaks volumes about her commitment to the global community but also reflects her compassion and desire to make a tangible difference.
For both SD Mayer and the communities in Kenya, Thérèse’s presence is an assurance of commitment, passion, and transformation. Her professional brilliance and humanitarian spirit are inspirations to us all.
Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Fee based planning offered through SDM Advisors, LLC. Third party money management offered through Valmark Advisers, Inc a SEC registered investment advisor. 130 Springside Drive, Suite 300, Akron, Ohio 44333-2431. 1-800-765-5201. SDM Advisors, LLC is a separate entity from Valmark Securities Inc. and Valmark Advisers, Inc.
Consultant
Fully Remote
With an illustrious career spanning over a decade, Sarah has established herself as a foremost expert in people operations. Her deep understanding and proficiency in strategic and tactical people programs have been pivotal across numerous phases of the employee lifecycle, empowering organizations to achieve their human capital aspirations.
At the heart of Sarah’s approach is her unparalleled expertise in core people operations, combined with a nuanced understanding of leadership consulting, job architecture, compensation structures, and the intricate details of company-specific, legal policy implementation. A fervent believer in nurturing relationships, Sarah not only meets but often exceeds client expectations, laying the foundation for enduring partnerships that stand the test of time.
Sarah’s unique philosophy of “slow down to go fast” ensures that every organization she works with benefits from a perfectly tailored people infrastructure. This approach is not just about addressing immediate needs but is aimed at driving significant business impact and cultivating a positive experience for every employee.
Academically, Sarah’s credentials are equally impressive. She boasts a Master’s degree in People Development, which underscores her commitment to fostering organizational growth and individual excellence. Complementing this, her progressive business background and certifications in both HR and health coaching provide her with a holistic and comprehensive perspective. This fusion of academic acumen and practical experience ensures that Sarah brings a multifaceted approach to her role, allowing her to offer both innovative solutions and time-tested strategies to her clients.
In a world where the significance of people operations is ever-increasing, Sarah stands out as a beacon of knowledge, dedication, and passion, ensuring that every organization she collaborates with realizes its fullest potential.
For more information about WOVEN: wovenhr.com
Partner, HR Advisory
Fully Remote
With a distinguished career spanning over three decades in the realm of Human Resources, Carmela stands as a testimony to dedication, innovation, and leadership. As a Partner at SD Mayer, Carmela’s expertise now fuels WOVEN, the firm’s dedicated subsidiary for HR Solutions, guiding its trajectory towards new pinnacles of success.
What truly sets Carmela apart is her experience of trailblazing the HR landscape in numerous companies. Notably, she has been the inaugural Vice President of Human Resources at nine distinct companies, including six start-ups. Such a track record not only speaks to her ability to lay foundational HR infrastructures but also showcases her agility in navigating diverse industry challenges, ranging from technology and retail to hospitality and wholesale.
Her seasoned approach to HR is rooted in a profound understanding of the human element in business. Carmela has always prioritized strengthening communication, honing leadership abilities, and cultivating fruitful working relationships among employees at all hierarchies. The results of her endeavors are palpable, manifesting in enhanced organizational productivity and positive business outcomes.
Taking her commitment to leadership further, Carmela pursued and completed her certification as an Executive and Leadership Coach through the prestigious Hudson Institute. This has further equipped her to mentor and guide leaders in maximizing their potential and effectuating transformative change in their respective organizations.
Outside the corporate realm, Carmela’s passion for making a difference extends to the community. She has commendably served as the Board Chair for a notable non-profit organization based in San Francisco, showcasing her commitment to societal growth and upliftment.
Carmela’s legacy in HR is a blend of innovation, strategy, and an unwavering commitment to people-centric solutions. Her leadership at WOVEN and SD Mayer is not just about steering businesses towards success, but more importantly, about shaping environments where every individual can thrive and contribute their best.
For more information about WOVEN: wovenhr.com
Wealth Management Solutions Coordinator
Fully Remote
Since coming on board in 2022, Alexandra has swiftly made her mark within SD Mayer’s expanding wealth management practice. Even though she’s based in the picturesque surroundings of Kentucky, the wonders of technology bring her skills seamlessly to the team. Alexandra’s prowess in managing our CRM system and overseeing the back office ensures that our operations run smoothly, while her talent in tracking leads helps the firm continually grow its footprint in the wealth management sector.
A notable moment in her personal life was when Alexandra and her husband, Alex, welcomed their baby girl into the world in November 2022. Her journey into motherhood adds another dimension to her role, as she understands the significance of financial stability and planning for families.
Educated at the University of Cincinnati, Alexandra majored in Sports Administration, a degree that instilled in her the values of teamwork, dedication, and strategic thinking—skills that she channels every day in her professional realm.
Beyond her role at SD Mayer, Alexandra harbors a deep love for the enchanting world of Disney. She dreams of traveling to every Disney Park worldwide, immersing herself in the magic each destination has to offer. As a passionate coach for Track & Field for the past six years, she also finds joy in the athletic arena, supporting and cheering on her team as they push boundaries and achieve greatness.
In Alexandra, SD Mayer finds not just a dedicated professional but also a vibrant individual whose passions and pursuits enrich our team’s tapestry.
Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Fee based planning offered through SDM Advisors, LLC. Third party money management offered through Valmark Advisers, Inc a SEC registered investment advisor. 130 Springside Drive, Suite 300, Akron, Ohio 44333-2431. 1-800-765-5201. SDM Advisors, LLC is a separate entity from Valmark Securities Inc. and Valmark Advisers, Inc.
Senior Financial Advisor
Fully Remote
Blending the precision of a golfer with the analytical mindset of a financial advisor, Cody stands as a pillar of dedication, commitment, and strategic vision in his role as a Senior Financial Advisor at SD Mayer. His specialty lies in curating all-encompassing financial plans – meticulously designed blueprints that illuminate the path to a secure and prosperous future for clients and their families.
Bound by a fiduciary duty, Cody’s dedication extends beyond the professional realm, ensuring he always champions the best interests of his clients. His approach is rooted in the philosophy of personalization. He dives deep into understanding the singular goals, dreams, and aspirations of each client, crafting a financial strategy that seamlessly aligns with their envisioned success. Beyond individuals, Cody’s expertise spans to small businesses, assisting them in orchestrating, managing, and servicing corporate retirement plans with the same zeal and precision.
What truly sets Cody apart is his riveting journey prior to joining SD Mayer. With a past that resonates with the thrilling greens and fairways of professional golf, Cody has played on esteemed tours spanning South Africa, Europe, and Canada. Golf, a game that demands patience, precision, and unwavering focus, has ingrained in him the principles of dedication, strategic decision-making, and an unparalleled attention to detail. He seamlessly marries these attributes from his golfing career with his financial advisory role, offering clients a distinct experience infused with a champion’s mindset and approach.
With Cody, it’s not just about the numbers; it’s about harnessing the power of strategy, dedication, and passion to shape financial futures. As he once navigated the complexities of golf courses, he now guides clients through the intricate pathways of wealth management, ensuring a swing that’s always aimed at success.
Consultant
Fully Remote
In the intricate weave of organizational dynamics, Angela stands out as a beacon of knowledge and expertise in the realm of Human Resources and Operations. Her journey spanning over 15 years is more than just a testament to her dedication—it’s a chronicle of her deep-seated passion for shaping the People function, ensuring it operates seamlessly and strategically.
A distinguished generalist, Angela’s prowess isn’t just confined to one facet of HR. She deftly supports everyone, from the C-suite to entry-level employees, shaping HR strategies that resonate with the ethos of the organization. With her at the helm, HR policies are not just drafted but crafted, ensuring they resonate with the culture and goals of the organization.
One of Angela’s core strengths is her hands-on approach, which has paved the way for her to build relationships founded on trust, respect, and mutual understanding. Whether it’s a fledgling tech startup buzzing with innovative energy or a well-established institution built on decades of legacy, Angela’s adaptability and versatility shine through. Her collaborative work with WOVEN clients further attests to her capability to resonate with diverse organizational needs and dynamics.
Her mantra is both profound and practical: she believes that HR, at its core, can be a strategic advantage for any organization and, at the same time, remain uncomplicated and straightforward. With this perspective, she has demystified HR for many, turning it from a daunting department to a crucial strategic ally.
In essence, Angela is more than just an HR leader; she’s a visionary who understands the nuances of human interactions, operations, and organizational success. With her guidance, HR becomes more than just a department—it transforms into the very heart and soul of an organization, driving its mission and vision forward.
For more information about WOVEN: wovenhr.com
Consultant
Fully Remote
In the intricate world of Human Resources, where corporate aspirations intertwine with personal ambitions, Marisa has emerged as a trailblazer, bringing her nuanced understanding to every organizational challenge. With two decades of seasoned expertise under her belt, Marisa’s career is a testament to her dedication to the human element in businesses, especially in the non-profit realm.
Every organization, be it for-profit or non-profit, is built upon the strength and capabilities of its people. Marisa’s vast experience leading People teams illuminates her ability to nurture, guide, and support these human assets. What sets her apart is not just her technical acumen, but the depth of trust she cultivates within her relationships across organizations.
Being a fervent advocate for both employees and executives, Marisa has mastered the art of harmonizing business objectives with employee well-being. Her hands-on approach has enabled her to tackle complex HR challenges, ensuring that solutions are not just technically sound, but also emotionally resonant. She cherishes the process of understanding the unique strengths of individuals, guiding them to harness their potential, and facilitating an environment where they flourish.
Marisa’s SPHR (Senior Professional in Human Resources) and SPC (Scaled Professional Scrum) certifications further underscore her dedication to her craft. These credentials highlight her prowess in strategic policy-making, workforce planning, and employee relations, as well as her understanding of agile principles and their application in organizational structures.
Beyond her professional achievements, Marisa’s philanthropic spirit shines brightly. Serving as the Board Secretary for a San Francisco non-profit is not just a role she undertakes; it’s a manifestation of her commitment to giving back to the community. This dual role, both as an HR leader and a non-profit board member, offers her a unique perspective, enabling her to bridge corporate objectives with societal needs.
In Marisa, organizations find a strategic partner, an empathetic listener, and a visionary leader. As she continues to shape the future of HR practices, especially in the non-profit sector, Marisa stands as an inspiration to all who value the confluence of business, humanity, and social impact.
For more information about WOVEN: wovenhr.com
Vice President
San Francisco Office
In the world of finance and wealth management, few names resonate as harmoniously as Dan’s. With a legacy spanning over three decades in the heart of the San Francisco Bay Area’s finance realm, he stands as a beacon for expertise and human-centric leadership.
Dan’s journey is nothing short of illustrious. Beginning with the prestigious KPMG, where the pillars of finance and auditing are held to the highest standards, he honed his foundational skills. This foundation led him to global giants such as Nokia, where he grappled with the intricacies of international finance and operations. His stint at the New York Life Insurance Company and Eagle Strategies further enriched his proficiency, driving him deeper into the realms of wealth management and insurance intricacies.
But what truly sets Dan apart isn’t just his extensive experience or knowledge. It’s his rare blend of technical prowess combined with an innate ability to connect. In an industry that can often be perceived as cold or purely transactional, Dan infuses warmth. He doesn’t just crunch numbers; he builds relationships. He doesn’t just strategize; he listens. His financial acumen isn’t just about money; it’s about dreams, hopes, and aspirations.
This engaging leadership style, where communication isn’t just a tool but a core tenet, has helped him forge bonds with individuals across the board. From fresh recruits to seasoned professionals, clients to partners, Dan’s approach is consistently genuine and heartfelt. He isn’t just a financial expert; he’s a guide, a mentor, and often, a friend.
With Dan, wealth management isn’t just about accumulating wealth. It’s a holistic approach that sees beyond the numbers. His goal isn’t limited to the black and white of balance sheets but extends to the colorful dreams and ambitions of his clients. It’s this unique perspective that has, time and again, led his clients towards achieving their financial objectives, anchored firmly in trust and mutual respect.
As he continues to shape the world of finance and wealth management in the Bay Area, Dan’s legacy will be remembered not just for his financial brilliance but also for his commitment to building genuine human connections. In Dan, the world sees a testament to the idea that finance, when married to empathy, can indeed be a force for good.
CA Insurance #0E09918
Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Fee based planning offered through SDM Advisors, LLC. Third party money management offered through Valmark Advisers, Inc a SEC registered investment advisor. 130 Springside Drive, Suite 300, Akron, Ohio 44333-2431. 1-800-765-5201. SDM Advisors, LLC is a separate entity from Valmark Securities Inc. and Valmark Advisers, Inc.
Attorney
San Francisco Office
Randi S. Teichman is a distinguished attorney who has carved a niche for herself in the legal landscape through her specialization in estate planning, trust administration, and probate law. Her expertise extends into tax law, encompassing the preparation of individual and fiduciary income tax returns as well as estate tax returns, making her a versatile advocate for her clients’ legal and financial health.
A product of esteemed institutions, Randi’s academic credentials include a law degree from Stanford University (1988), a bachelor’s degree from the University of California, Los Angeles (1984), and an LLM in Taxation from Golden Gate University (1999). These academic achievements laid the foundation for her successful career and her profound understanding of the complexities of estate and tax law.
Randi is a respected member of the estate planning, trust, and probate law sections of both the California State Bar and San Francisco Bar Association. Her dedication and expertise have earned her the distinction of being a certified specialist in estate planning, trust, and probate law by the State Bar of California Board of Legal Specialization.
With a commitment to delivering personalized legal and tax services, Randi approaches each client with a keen ear and a compassionate heart. She excels in translating her clients’ needs and desires into robust legal documents, ensuring their peace of mind and security. Her comprehensive approach to tax matters enables her clients to optimize their tax positions effectively.
Over her 25-plus years of practice, Randi has become a trusted advisor to executors and trustees, guiding them through the complexities of probate and trust administration during the challenging times of loss. Her skilled and compassionate counsel is a testament to her deep experience and genuine care for her clients.
Randi’s excellence in law has not gone unnoticed by her peers. She has been honored with an AV rating, indicating the highest level of professional excellence. Furthermore, her outstanding service and legal acumen were recognized when San Francisco Magazine named her a Northern California Super Lawyer in 2005 and 2006.
Away from the legal arena, Randi finds solace and rejuvenation in the great outdoors. An avid hiker, she frequently explores the trails of Mount Tamalpais in Marin County, embracing the natural beauty and tranquility that hiking affords. This passion for nature reflects her balanced approach to life, harmonizing her professional rigor with personal fulfillment.
Randi S. Teichman’s legal prowess, combined with her commitment to her clients and love for the outdoors, makes her a remarkable attorney and a valued member of the legal community.
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