We Provide A Comprehensive Approach
Family Protection and Risk Management
Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family
- Financial Emergencies
- Pay medical bills in the event of illness
- Income replacement lost due to disability
- Maintain a standard of living after the death of a spouse or other loved one.
- Life insurance, Disability Insurance, Long Term Care Insurance
Investment Portfolio Management
- Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market conditions.
- Provide an investment portfolio "Stress Test" to determine how your portfolio handles market downturns.
- Ongoing implementation of an active allocation strategy for proper market exposure and trends
- Aggregation of all your accounts to simplify and reduce paperwork.
- Plan best tax strategy (401k, IRA, Roth, NQ, etc....) to accumulate money in retirement plans.
Tax Reduction Planning
- Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities
- Evaluating business structure to optimize the benefits of the Internal Revenue code
- Deferring income and/or accelerating expenses at year-end
- Strategies to realize losses or gains through a wide range of allowable actions
Retirement Lifestyle & Income Planning
- Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs and help maintain a comfortable standard of living.
- Develop a strategy to prevent you from outliving your retirement income
- Determine the best methods and timing for withdrawing from retirement accounts.
Charitable Giving
- Help identify charitable giving opportunities that fit within your value structure and that help minimize tax liability
- Develop a charitable giving plan to be incorporated into cash flow and expense budgets
Family Legacy & Estate Planning
- Involves identifying beneficiaries and what they are to receive both during the client's life and upon his/her death
- Provide knowledge about available estate planning techniques and tools.
- Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate
- Help determining how property will be transferred at death by means of a will, interstate, contract or trust.
- Strategies to potentially AVOID the Medicaid spend down during an extended nursing home stay.
For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.
carl@saveandretire.net | (513) 538-1880