Who We Serve
FAMILIES WITH SPECIAL NEEDS
Planning for the Child. Planning for the Household. Planning for the Long Term
Families caring for a child with special needs require a planning standard that most firms have never been asked to meet. Benefit eligibility, long-term care costs, trust structures, and multigenerational continuity all intersect in ways that demand careful, coordinated attention. A misstep in one area can create consequences in another.
A.Y.Bassam & Co. LL was built specifically for this. We help families organize the tax strategy, the legacy architecture, the insurance coverage, and the benefit-preservation plan into a coherent whole. We coordinate with estate counsel, case managers, regional center contacts, and other members of your team. And we review the plan regularly, because your child's needs and the laws governing their benefits will change over time.
FOUNDERS AND CLOSELY HELD BUSINESS OWNERS
For Owners Whose Business Is Also Their Largest Asset
When the business is central to household wealth, tax planning and legacy planning cannot be separated. The decisions you make about entity structure, compensation, retained earnings, and ownership transfer have consequences that extend well beyond the current tax year and, ultimately, well beyond your own working life.
We help founders and closely held owners address structure, compensation, continuity, transfer planning, and eventual exit within one coordinated framework. We bring tax, accounting, insurance, and succession planning into alignment so that the decisions you make now preserve the options you will need later.
Buy-Sell Agreement Funding
A buy-sell agreement without a funding mechanism is a promise the business cannot keep. When a partner dies, becomes disabled, or exits unexpectedly, the surviving owners need immediate liquidity to purchase the departing owner's interest. Life insurance is the most tax-efficient and reliable way to fund that obligation. We design the insurance structure that matches the agreement, whether entity-purchase, cross-purchase, or a hybrid arrangement, and ensure that the policy ownership, beneficiary designations, and premium responsibilities are correctly aligned with the legal document.
CROSS-BORDER AND INTERNATIONALLY CONNECTED FAMILIES
Structured Planning for Internationally Connected Families
When family members, trusts, assets, or operating entities cross borders, fragmented advice becomes expensive. The reporting obligations, entity coordination, and wealth-transfer planning for internationally connected households require a practitioner who has operated in this environment and who can organize the planning facts clearly before specialists are engaged.
We help globally connected families map the planning landscape, identify the key tax and structural issues, and coordinate the work of the other professionals needed for implementation.