Services
Tax Strategy Services
Effective tax planning is vital because it canvasses nearly every aspect of your wealth management plan. We review each aspect of your wealth management plan and identify opportunities to put tax-efficient strategies into play for you. We can do this by maximizing tax efficiency in your retirement accounts and estate plan, blending the tax benefits you receive with your charitable giving, and keeping you educated on the latest tax rules and regulations.
Legacy Planning
You have worked hard to build your financial legacy. We have an astute method for helping you design a plan to share your legacy with family, friends, charities and causes. Our detailed wealth transfer strategy can help you define your goals and plan for the future of your wealth by identifying and implementing tax strategies; and maximizing your tax benefits to make the most of your savings.
Retirement Income
You spend your life saving and one of the most difficult transitions to make as investor is the change from accumulation to spending. We will work with all aspects of your retirement to create a strategy that achieves your goals and objectives. There are many key factors to retirement such as social security, investment strategies, spend down strategies, and the integration of pensions or other income streams. We will assist you in maximizing tax efficiency and longevity of each item in a way that is unique to each situation.
Portfolio Strategy
An effective portfolio is created through understanding a client’s individual preference and then applying evidence based investment strategies. Our services are based on long-term investment strategies incorporating the principles of Modern Portfolio Theory. This investment approach is firmly rooted in the belief that markets are “efficient” over periods of time and that investors’ long-term returns are determined principally by asset allocation decisions, rather than market timing or stock picking.
Federal Benefits
Social Security benefits play a key role in maintaining your lifestyle in retirement. While the Social Security Administration determines your benefit based on earnings, the amount you receive can vary significantly depending on your filing strategy. We work to find strategies that can help you reach your maximum benefit based on your specific circumstances. This allows you to rely less on your investments to keep up with spending needs.
Risk Management
There are many complexities involved when addressing your insurance needs, but you can receive wide-ranging protection against the unexpected and the inevitable through careful, strategic planning. We will work closely with our trusted partner, First Element Insurance Planners, to identify your insurance needs so they fit into your comprehensive wealth management plan.