As 2024 draws to a close, it’s an ideal time to evaluate your financial strategies and take advantage of year-end tax planning opportunities. As we head into the holiday season, another season looms in the distance: tax season. Don’t wait until March to see how 2024 shook out for you tax-wise; plan ahead as we…
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…
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?
