We begin each client relationship with an initial consultation during which we ask questions, listen to you and learn about your goals, concerns and risk tolerance. Based on your needs and desires, we provide the following services, among others:
Independent objective portfolio analysis. This comprehensive review of your fixed investments, stocks, bonds and mutual funds indicates how your investments compare to others in a similar investment category and against their benchmark index.
Investment portfolio management. Based on your particular circumstances, such as age, income requirements, net worth and risk tolerance, we assist you in choosing appropriate investments for your portfolio.
Asset Cycle Portfolio System®. Many folks feel their investment accounts are like a puzzle dumped out on the table meaning they aren't sure how they will all fit together. Our Asset Cycle design can help you understand how each of your financial assets fits together efficiently so that you can complete your entire financial picture. A job description is assigned to each account so that you know how and when each will be used.
Income tax and Social Security analysis. Through this analysis, we determine if you may be able to reduce federal income taxes and coordinate your income with Social Security benefits to potentially reduce the tax on both.
IRA distribution tax reduction. We will help you understand and implement concepts and strategies that may allow you to substantially reduce or eliminate income tax on your retirement plans and IRA distributions.
Multi-generational qualified disbursement review. This review considers the impact of a Stretch IRA Strategy, stretching out qualified dollars to potentially save taxes and continued growth of your money for future generations. This strategy is best for those who do not need to use their retirement accounts during their own lifetime.
Estate enhancement and preservation. Depending on your situation, your retirement accounts may possibly be reduced when you pass wealth from one generation to the next. We suggest strategies to help maximize your wealth and reduce taxes, especially on your IRA distribution.
Long-term care action planning. We assist you in making an informed decision regarding how to better protect your assets while helping you and/or your spouse design a plan with the goal of providing the necessary care to maintain a dignified lifestyle throughout your life.
Life insurance audit and repair. We analyze your life insurance based on your needs with the goal of increasing coverage, while maintaining the greatest value for your premium.
Charitable planning. If you give to charities, including your church, you may wish to explore the many benefits of a Donor Advised Fund. View our video on Donor Advised Funds below: