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Financial Services

We coin ourselves THE STRATEGY GUYS and pride ourselves in helping clients develop strategies around their investment portfolios.

We utilize and facilitate:

  • Fixed and fixed indexed insurance and annuities
  • Market investments
  • Municipal bond offerings
  • Alternative investments
  • Life insurance
  • Long-term care planning and insurance

We develop strategies around the following subjects as well as financial matters:

Asset organization

Making decisions about your retirement starts with having a full understanding of your needs, your assets, your liabilities and your goals. To understand what you are working with, we need to help you fully organize your financial portfolio. For many people, working with us is the first time they get a clear and accurate look at their financial assets and obligations. Knowing how much money you need each month to pay for your lifestyle, how much you need to meet your future financial goals and how much you need to meet unanticipated expenses (including health care), is the first step in creating a successful retirement plan.

Analysis of corporate pension plans

If their company has a formal pension plan, many people will be faced with a decision to take a routine payout or a lump-sum option at retirement. We have experience analyzing and explaining all the available options to clients. In the end, our goal is to provide our clients with confidence in their final decisions because they have all the facts and are able to choose an option that fits their unique needs and may even create wealth they hadn’t anticipated.

Income planning

Our methodology for retirement planning focuses on creating reliable income that meets the provisional needs of our clients. When you retire, you stop receiving a paycheck from your employer and start depending on yourself for regular income. This represents a shift from earning income to generating income, and it is probably one of the biggest financial challenges you will face in your life. We aim to help you generate that income from fixed sources if we can. This removes unnecessary risk from the amount of money you need each month to meet your living expenses and to meet your other immediate financial obligations.

Once you have accounted for the income you have to have to meet your basic needs, it frees the rest of your asset base for different types of financial products, investments and strategies in accordance with your risk tolerance, goals and objectives. Durable, dependable income is the backbone of your retirement, and it is an important step on your journey to creating a successful retirement plan.

Accumulation and growth planning

When we know the amount of money you absolutely must have to maintain your lifestyle and have a fixed strategy for it, we can then look at what we can do with the rest of your assets and liabilities. We want to find products and strategies that will be of most benefit to you, while developing efficient strategies for you in mitigating losses.

401(k), 403(b), 457, IRA and Roth IRA optimization and maximization strategies

When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

  1. Leave the money where it is
  2. Take the cash (and pay income taxes and perhaps a 10 percent additional federal tax if you are younger than age 59½)
  3. Transfer the money to another employer plan (if the new plan allows)
  4. Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.

Tax planning

Taxes can have a profound effect on your retirement. Understanding how they affect you can help you make decisions that could save you money, potentially increase your net income and help protect your legacy from over-taxation. We pride ourselves in working closely with tax professionals and utilizing strategies that are designed to take full advantage of the ever-changing tax codes.

Our firm is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.

Distribution planning

We help our clients put a purpose and pecking order on every financial vehicle in their portfolio, so when the time comes to start drawing, they know from which to draw first and for how long.

Legacy planning

We work with a team of preferred attorney relationships to help our clients  prepare their estates. Some of these relationships will meet our clients in our office by appointment, making the process more convenient and efficient. We believe a robust and lasting legacy requires making smart financial decisions ahead of time. You can begin that decision-making process by working with a financial professional who has experience and understanding with legacy planning.

At the minimum, it is important to make sure:

  • Your listed beneficiaries are up to date
  • You have a strategy for covering health care costs and funeral expenses
  • You have strategies in place for avoiding probate, tax penalties and costly court proceedings.

Our firm is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters. 

Finding a financial professional you trust

Planning for retirement requires lots of decision-making. One of the most important decisions you can make is to work with a financial professional you trust. A good financial professional will show you your options and help you gain financial confidence. Most important, they can connect you with the resources you need to carry out the decisions that affect your retirement.

You will want to work with a professional who has experience in:

  • IRA/401(k) rollovers
  • Asset protection
  • Income planning
  • Tax saving strategies
  • Wealth management
  • Long-term care solutions
  • Insurance
  • Estate planning strategies
  • Wealth transfer strategies

We live in an age in which “do it yourself” investing is easier than ever. The internet allows us to buy and sell stocks and mutual fund shares at lightning speed. For people who are beginning to plan their retirement, taking matters into their own hands can seem like a cheap and easy way to get their affairs in order. We believe the value of a financial professional can often be overlooked.

When we meet with potential clients, we ask them about how they picture their retirement. What do they plan on doing? Where do they plan on going? What do they want their retirement to feel like? Many people want to spend time with their grandchildren or go on the vacations they put off during their working years. Once we have these answers, we then ask them if they can outsource any of those activities to someone else. Can you pay someone to go on vacation for you or to visit your grandchildren? The answer is no; however, you can work with someone to plan your retirement and manage your assets.

In fact, we believe that this is one of the most cost-effective things you can outsource in retirement. Chances are, your answer to what you want your retirement to look and feel like didn’t include managing investments, taking on the responsibility of balancing your portfolio’s exposure to risk and continuing your financial education as new products and opportunities arise. Do you want to carry the responsibility of potentially losing a significant portion of your retirement savings while you are enjoying your retirement? By working with an experienced financial professional, you can plan to experience the retirement you imagine knowing that you have a solid income strategy in place.

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