There are many financial products in the market and choosing the one that best meets individuals clients needs can be complicated. Our focused here is to find the best investment strategies that will meet your needs over the long-term. In our first and second meetings we can discuss in detail the type of investments that might best fits your need. Just a few of the categories that we can work with include:
Private Money Managers, Diversified Manager Accounts
These are several private money managers in one account. Mutual funds unit investment trusts annuities and certificates of deposit, bonds treasury securities are just a few of the vehicles we have to work with. We can also advise and set up 401(k) retirement plans individual IRA accounts 529 plans simplified employee pension plans life insurance long-term care disability and tax saving strategies.
Social Security planning
For the past eight years, we have been an innovator in social security planning. The one area that sets us apart is we do not tell everyone to wait till age 70 to start benefits. With our advanced calculators, we can run what-if scenarios to give you the best ages to start and maximize your Social Security benefits. We have partnered with one of the largest and most respected Social Security planning firms to make sure that we are at the cutting edge of benefit planning.
One of the other areas that we have led the way is in how income riders work with annuities. The biggest issue we see is that people do not understand the product or the writers that they have been presented or of already bought. We can educate you on exactly how the annuities are built and how the income riders work in real life. We have people every month contact us to help explain how the product they bought really works compared to what they were told at a seminar.
Traditional and Roth IRAs
We also advise on traditional and Roth IRAs. We can assist in building portfolios that provide the best tax benefit when it comes to allocating dividend producing investments versus growth instruments and what account it is best to hold these investments.
We have partnered with several CPAs and with our planning software we can run different scenarios to test tax strategies that you can then take to your CPA to see if it would benefit your tax situation. This is a very in-depth and sophisticated service that we can discuss in detail in our first or second meeting.
One of the first things that we do is to help you line out your beneficiaries and the strategies that you want to implement for them to receive your legacy. We will explain how different methods work, and explain the importance of transfer on death designations on individually held accounts. We also work with an estate planning attorney to help you map out the most successful legacy planning program that you can and then be here to answer questions or help you make changes in that program as life goes on.