Our Services
We specialize in retirement, tax and investment planning. This is the basis of everything we do. Before discussing specific investment ideas for your retirement program, it is important that some type of plan be created first. This doesn`t have to be long, complex and expensive - in fact, this part of our consultation is free. But certain questions need to be answered, such as: How much do you need to save/invest?
How are your taxes best reduced?
How aggressive should you be with your investment/savings?
When can you afford to retire?
And many more... Without answering these types of questions first through initial planning, proper decisions can not be made regarding your savings and investment plans. We work with virtually all types of retirement and investment plans: 403(b)s
TSAs
IRAs
ROTH IRAs
Taxable Accounts
College Savings Plans Tax Planning Tax planning is a free service we provide to our clients. When we do tax planning, we closely examine your income and tax situation. We use computerized programs to help analyze ways for you to reduce your tax and taxable income. Educators in particular have many tax breaks that they often don`t realize they have until they meet with us. Sometimes we show them how to save into their TSA/403(b) without changing their net take-home pay. Sometimes we show them how to increase their take-home pay through proper tax planning. It is not uncommon for us to uncover ways to save thousands of dollars per year in taxes for our clients.
The strategies we introduce are designed to help you reach your financial goals. Because we do not prepare your taxes our services are not meant to replace the advice of your CPA or professional tax consultant and should be reviewed by these individuals who may have a more detailed picture of your complete tax situation. Retirement Planning Retirement planning is another free service we provide to our clients. The first step is to set goals for when you want to retire and what type of lifestyle you wish to have at retirement. Using sophisticated computer modeling we help our clients determine how they can best reach those goals - how much to save, how to invest it, and how to change that plan over time. Often inappropriate savings and investment plans are used (especially with teachers) that impact when a person can afford to retire. Many people spend more time planning a two week vacation than their retirement. We help our clients solve that problem by doing much of the work for them - in the end, our goal is to put you on the most direct road to reach your retirement goal. Investment Planning Often overlooked and ignored, investment planning is extremely important. This means making sure that your investments fit your profile - conservative investments for conservative people, aggressive investments for aggressive people. It also means making sure that your investments are allocated and diversified properly. Many people we see do not have properly allocated investments and can mean that their returns are not what they should be. Many people don`t like to worry about this, so we worry about it for you. The returns you get can drastically change your retirement lifestyle - it shouldn`t be ignored! After meeting a client for the first time we often restructure their investments to be sure they are properly positioned to help them meet their retirement goals. The bottom line is that before picking your TSA, 403(b), IRA or other retirement and investment plans you need to plan first, then make your decisions.
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