Retirement Planning

Do you have a meaningful and comprehensive retirement plan?

Do you know when will you be able to retire comfortably?

Do you know how much do you need to save today for your dream retirement?

Do you know how much you can depend on Social Security for your retirement income?

Can your retirement plan handle another lost decade of returns?

Do you know what retirement spending strategies and adjustments are available to you so that you don’t run out of money in your retirement?

Do you know that being diligent and correctly using ongoing tax optimization strategies can save you millions in taxes?

DO YOU STILL HAVE A 401K PLAN ACCOUNT (OR MULTIPLE ACCOUNTS) FROM A PREVIOUS EMPLOYER?

We generally find that the IRA rollover is a better choice than a 401(k) rollover. IRAs usually provide for more flexibility in both investment choices and how we manage your assets. If you have one or more retirement accounts from previous employers, let us help you consolidate accounts into an IRA and build an updated retirement portfolio for you.

ARE YOU SELF-EMPLOYED AND NEED HELP SETTING UP A SEP IRA?

Simplified Employee Pension IRA, or SEP-IRA, is a type of traditional IRA that lets self-employed people and small-business owners save toward retirement while deferring tax. These plans tend to be best for companies with few or no employees. We can help set up the IRA for you and your employees and build a portfolio to help you achieve your retirement goals.

DO YOU OWN A SMALL BUSINESS AND NEED HELP SETTING UP RETIREMENT SOLUTIONS FOR YOU AND YOUR EMPLOYEES?

A SIMPLE IRA is an employer-sponsored retirement plan offered within small businesses that have 100 or fewer employees. SIMPLE is an acronym for savings incentive match for employees. Small companies may favor SIMPLE IRAs because they are a less expensive and less complicated alternative to a 401(k) plan. We can help set up the SIMPLE IRA for you and your employees and build a set of portfolios to help you and your employees achieve your retirement goals.

DO YOU HAVE AN IRA PORTFOLIO AND ARE CONSIDERING A ROTH IRA CONVERSION?

A Roth IRA is an individual retirement account that offers tax-free growth and tax-free withdrawals in retirement. Roth IRA rules dictate that as long as you have owned your account for five years and you are age 59½ or older, you can withdraw your money when you want to, and you will not owe any federal taxes. Roth IRA conversions tend to make sense in certain situations and when markets are pulling back. We can help you decide if a Roth IRA conversion is the right choice for you. If so, we can help you convert your account, as well as review and update your portfolio to align with your retirement goals.

Inheritance Planning

Do you know that receiving a large sum of money all at once can change the course of your life forever?

ARE YOU COMING INTO MONEY (OR MAYBE YOU ALREADY HAVE)?

If you are receiving inheritance there is a lot to think about:

What choices are available to me, and what are their consequences?

Will there be enough left after taxes to fully fund my dreams?

Should I invest some of my money and if so, where?

Receiving a large sum of money all at once (like an inheritance, lottery winnings, lawsuit, insurance payout, etc.) opens a significant opportunity to change the course of your financial life. Now and maybe even forever! We can help you make smart financial choices for both the short and long term.

Investment Portfolio Management

Do you know that even with a modest portfolio you can significantly elevate your lifestyle?

DO YOU NEED HELP WITH INVESTMENTS IN YOUR NON-RETIREMENT OR BUSINESS ACCOUNTS?

Are you looking to upsize your home, purchase a vacation property, travel, or make another significant investment in your business? Perhaps you are looking to earn a return or keep up with inflation on any cash you may have in your savings accounts? Regardless of the circumstances, we can help you build and manage a portfolio that will achieve your financial goals while minimizing the tax burden of a standard brokerage account.

ARE YOU LOOKING TO LEAVE SOMETHING BEHIND FOR THE PEOPLE AND ORGANIZATIONS YOU LOVE?

In the US, gifts are subject to tax, including cash gifts as well as property. If an award is taxable, it may be subject to tax rates of up to 40%. Our custodians provide UGMA, UTMA, and trust accounts. The UGMA and UTMA are custodial accounts, which hold and protect assets for minors until they reach the age of majority in their state. Trust accounts can have assets for individuals and organizations based on trust rules. We can help set up and build a set of portfolios to help you and your loved ones achieve financial goals.

Money Management

DOES YOUR BUSINESS NEED HELP WITH MANAGING BUSINESS OPERATING CASH?

A small business will typically have operating cash on hand for normal operations and or business expenditures. With current inflation rates, your business operating cash may be losing its value year after year. We can help you build an operating cash model where your business can earn a return while maintaining operating flexibility and access to your capital.

DO YOU NEED HELP MANAGING YOUR HOA’S MAINTENANCE OR RESERVE FUNDS?

Homeowner Associations collect dues from members and save a portion of those dues for ongoing and future maintenance of the properties. We can help you build a conservative portfolio with an appropriate operating cash flow to meet your working and future needs.