Services
Retirement Planning
Like many Americans, you may have put money into a 401(k), 403(b), Roth IRA, or some other investment vehicle with the hope of one day enjoying your retirement. But just saving money for a later date isn't enough. Determining whether or not your plan will allow you a comfortable retirement requires a critical look at several important variables.
What to consider:
- Your ideal retirement
- Your life expectancy
- Rising costs
Estate Planning
Estate planning creates a master plan for the management of your property during life and the distribution of that property at death.
For most people, estate planning will:
- Give you more control over your assets during your life
- Provide care when you are disabled
- Allow transfer of wealth to whom you want, when you want, at the lowest possible cost
Common estate planning issues addressed in the wealth management process include:
- The transfer of wealth
- The minimization of taxes
- Asset protection
- Charitable giving
Tax Minimization Planning
Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. While decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved.
A major goal of tax planning is minimizing federal income tax liability. This can be achieved by:
- Reducing taxable income through income deferral or shifting
- Deduction planning
- Investment tax planning
- Year-end planning strategies
Insurance Auditing
Insurance auditing involves looking at your current risk management plan to determine whether your plan is still going to work the way you originally intended.
A comprehensive Insurance audit includes:
- Life insurance
- Long-term care insurance
- Disability insurance
- Health care insurance
- Property and casualty insurance
Investment Advice
As CERTIFIED FINANCIAL PLANNER™ professionals and independent investment advisors, we offer our clients the financial confidence of knowing that we make investment recommendations that are in our clients' best interest. This is evident by the diversification of investment products, companies, and tools we use to pursue our clients' goals and objectives. Just as a hammer is not the right tool for every job, there is no one investment product that is a perfect fit for all of your financial needs. We will work very hard to gain a complete understanding of what you are trying to achieve, and only after that will we make specific recommendations. Our clients have a full understanding of the benefits and costs of each and every one of our recommendations.
Talk with an Advisor
No cost. No obligation.