HOW WE HELP INDIVIDUALS
Saving for a Specific Purpose:
Helping You Understand Current Retirement Benefits:
Current Portfolio Research:
Managing Future Capital:
Qualifying Life Event Transitions:
Investment Management for Individuals
First we will understand your cash flow, create an emergency fund, prioritize your goals, and help you improve your overall situation.
Before we make any investment decision, we will identify your risk and how much time you have to reach your goal. We will then create investment portfolios with the right managers to match these parameters.
We have extensive insurance experience to help you with your Disability, Life, and Long Term Care Insurance. We have an array of professionals to help you with your health, auto, home, and other insurance needs.
Our tax planning refers to your investments and how they are taxed.
We will compare a normal taxable investment and an investment where taxes are deferred until distributions are made. We will implement tax efficient strategies working with your Accountant/CPA to help you reduce taxes on current investment income, minimize your future estate taxes and help you to save more efficiently.
We will assist you in reducing your debt and help you evaluate your available options.
Long Term Care Insurance
The 529 Plan is designed specifically to save money for qualified tuition expenses. As long as the funds are used for this purpose, they aren’t subject to Federal Income Tax.
Other College Savings Options
To learn more, you can attend our annual FAFSA workshop, (at the end of January). We will show you how to fill out the FAFSA form, as well as ideas on how to save money for college, negotiate with your college of choice for aid/scholarships, and much more! Contact the office for more information.
We will create a retirement plan based on:
Based on the above, we will create a retirement plan that is comfortable for you.
529 Disclaimer: Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses, summary prospectuses and 529 Product Program Description, which can be obtained from a financial professional and should be read carefully before investing. Depending on your state of residence, there may be an in-state plan that offers tax and other benefits which may include financial aid, scholarship funds, and protection from creditors. Before investing in any state’s 529 plan, investors should consult a tax advisor. If withdrawals from 529 plans are used for purposes other than qualified education, the earnings will be subject to a 10% federal tax penalty in addition to federal and, if applicable, state income tax.