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Safe Money Savings
Many of our clients no longer want to have their money
exposed to risk. We certainly understand this sentiment and look
for ways to help. Our clients appreciate the tax deferral, the guarantees
offered by the strength of the Insurance Company issuing the contract as well
as the probate avoidance. If you have low interest Certificates of
Deposit or are tired of losing money then this alternative is worth considering.
College Funding
For many of you trying to manage the maze of
regulations, forms and funding alternatives can be a complicated process. We eliminate the stress by partnering with
you and the college bound student. We
give you a road-map to follow to get you from the ninth grade to your sophomore
year in college. We complete all the aid
forms and position your assets to maximize the aid you could qualify for.
Estate Planning Analysis
The IRS gives each of us a tax credit to reduce
the burden of estate taxes. Using this credit allows you to pass
significant assets to your beneficiaries free of estate and gift taxes.
However, taking full advantage of your credit can often be a complicated
matter. The analysis considers the possibilities and recommends a
strategy that best satisfies your individual needs.
Multi-generational IRA Planning
Giving your children or grandchildren the
opportunity to benefit from your years of savings is a laudable goal. The
problem is that most people do not realize the tremendous transfer tax issues
involved in passing on an IRA to your children or grandchildren. They
inadvertently end up benefiting “Uncle Sam” by having improper beneficiary
designations. You have the opportunity to “Stretch Out” your IRA and maximize
the tax deferral. This is not automatic and requires you to make the
right choices; we can help. Get your personalized report outlining the
impact of using this technique to transfer IRA’s to your heirs.
Retirement Planning Analysis
A growing concern for many retirees today is will
I have enough income to live comfortably for the rest of my life.
Questions like How long will my nest egg last? Will I have enough
income so I won’t be a burden on my children? Or even How do I keep up
with inflation without risking my money? Can be difficult to answer.
Regardless of the kind of retirement nest egg you have accumulated, the first
step in answering these questions is to determine your financial goals and
establish a plan for accomplishing them. We can help you formulate a
retirement income plan that allows you to maximize your income while
accomplishing your other goals. Take action today by employing a powerful
state-of-the-art financial analysis tool to help you make your golden years
more golden.
Risk Analysis
It is likely that at some point you have
experienced a negative return on your investments. That downturn may have
been more than you are comfortable with. Our Risk Analysis will review
just how risky your money is so that you can decide how best to handle the
risk. We can't give you advice on your stock market investments but
if you are concerned about the risk then there are options that you will need
to be aware of. Our Risk Analysis can help you find the optimal mix of
guarantees vs. no-guarantees that could assist you in meeting your long-term
financial goals.
Long Term Care Expense Planning
For many people this is something they think will
only happen to someone else. Our analysis will show you ways to use
innovative strategies to protect yourself from the cost of long term care but
also keep your money in the event you never need long-term health care. Don’t
hesitate to ask for your own customized plan that will show you how to preserve
and protect your assets.
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