Financial freedom in retirement means more than just having enough money, it means having choices. Putting a comprehensive retirement plan in place can not only help you take control of your finances, but also address how you will spend your time by defining your desired lifestyle and delineating strategies for your future as you get…
An often-overlooked relationship is the one we have with our finances. As we celebrate the month of love, reflect on whether the relationship you have with your finances supports your long-term goals, or if a shift in that relationship is needed. When you think about your finances, what’s the first feeling that comes to mind?…
It’s that time of year again—the time when many people set ambitious goals but struggle to follow through on achieving them. As you reflect on your financial health, it’s important to remember that everyone is in a different place financially. Tailoring your resolutions to fit your unique situation can make a significant difference. Here are…
October is recognized as Estate Planning Awareness Month, a reminder to reflect on the importance of organizing your affairs for the benefit of your loved ones. As we approach 2025, at the end of which the current estate tax exemption is set to expire to around half of what it is now, it’s important to…
It’s back to school season—a perfect time to think about your children’s future. Parents and grandparents should start planning for college costs as early as possible. Most Americans would do almost anything for their children and grandchildren, and sending them to college is a top priority for many. According to studies, more than 50% of…
Whether you’re just starting out in your career, you are a Gen-X-er sandwiched between your kids’ college expenses and aging parents’ needs, or you are a Baby Boomer eyeing retirement, starting early can help when it comes to your finances. Here are some reasons why. When You’re Young—In Your 20s We’ve all heard the famous…
Now is the perfect time to discuss the importance of preparing for the potential need for care. Financial planning can be a complex process, especially for those looking for a comprehensive plan that accounts for every aspect of their life. That comprehensive plan traditionally includes budgeting, investing, tax-mitigation, estate planning, and as you get closer…
Getting started is half the battle when it comes to financial success. “I want to know my financial future is secure.” “I want to be in control of my own finances instead of relying on someone else.” “I want to ensure I don’t outlive my money.” “I want to do everything I can to live…
Tactical investing can provide both an offensive plan for growth as well as a defensive strategy to help avoid market drops. We can learn from history. For instance, let’s look at some historic stock market results, like the S&P 500 from January, 1996 to December, 2017. The market peak was in the year 2000, when…
Whether planned or unplanned, many are unsure of how to proceed after inheriting money. Here are a few steps you can take to make the most of it. So, you’ve inherited money. Depending on the circumstances, it may have been expected or unexpected, and it may or may not have come with a great deal…
Women have special needs when it comes to financial planning because they are often sandwiched between taking care of children and parents. As a result, they may have to leave the workforce, exacerbating their already-lower salaries and savings. They typically live longer than men, squeezing them even further. We are here to help you maximize your finances and your retirement. Let’s talk.
Even the best employee benefits package may not be enough to protect your family. Don’t get caught without enough resources to protect yourself in the event of a career change or unexpected life event—we can help you understand, select, and fill in any gaps in your benefits. We also work with business owners to expand the benefits they offer to employees.
New insurance policies deliver multiple tax-advantaged benefits while protecting policy owners from multiple risks. Don’t let an adverse life or health event destroy your net worth, drastically reduce your family’s finances, or devastate your business. New permanent policies can even provide growth, retirement income guaranteed by insurance companies, or cover long-term care expenses. Let’s talk.
Working in conjunction with your CPA or accounting professional, we will consider the tax implications of your investments, and will seek to utilize and allocate the right types in your portfolio, whether they be tax-deferred, tax-exempt, taxable, subject to capital gains or otherwise. Additionally, we will help you begin mitigating taxation in retirement well before you plan to retire
You’ve worked hard to build your own company, so don’t leave your exit plan to chance. Let us help you with any number of possibilities to help ensure business continuity, from key person life insurance, a buy-sell agreement with partners, or other business succession strategies to help ensure an easy transition in any eventuality, including financial means for you if you choose to sell and retire.
We always consider the “end game.” We’ll help you put strategies in place to transfer tax-advantaged wealth through the generations to your heirs and loved ones. Alongside your estate attorney, we’ll help you develop and execute all the documentation needed, including wills, trusts, healthcare directives, insurance, etc., helping save your family stress and potentially bypass probate court.
Retirement is a critical stage of life that comes with many risks. Because you will no longer have a paycheck coming in, it’s critical that you manage your accumulated nest egg wisely so that you don’t run out of money. Additionally, addressing taxes before you retire is another emphasis, since funds held in traditional 401(k) and similar accounts must be withdrawn and are subject to ordinary income tax.
Our investment philosophy is not your traditional “buy, hold and hope.” Our tactical managers seek to deliver investors a defensive approach that protects investors from market downturns while providing offensive strategies for the growth of your portfolio. You can’t control the market, but you can hire a tactical manager. What are you doing to protect your assets?
