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Personal Financial Planning

You get one-on-one guidance and a comprehensive financial plan that helps manage risk, improve performance, and ensure the growth and longevity of your wealth.

Personal Financial Planning

Building and preserving your personal wealth requires specialized attention. You get one-on-one guidance and a comprehensive financial plan that helps manage risk, improve performance, and ensure the growth and longevity of your wealth.
I help you to ..

By identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.
By accurately estimating the amount of money you'll need, analyzing your assets, reviewing estimated shortfalls and considering general alternatives and strategies to help address these potential shortfalls, and developing an optimal savings plan given your financial situation and risk tolerance.
By ensuring you have enough money in your emergency fund and analyzing your life, disability, health, home, and auto insurance coverage. I also review your will and various powers of attorney designed to take care of your affairs in the event you are incapacitated and can't manage them yourself.
By identifying the steps needed to maximize your investment returns as well as the steps needed to help minimize your risk while building increased predictability of your investment returns.
By maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate, I also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.
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Retirement Planning - Plan Ahead Now, Reap The Benefits Later

There's no time like the present to start planning your financial future. If you're ready to start planning for your retirement years, call me first. Don't wait until it is too late.

Retirement Planning

We'll help you make sure your retirement years are nothing but smooth sailing ahead.

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Benefits Of Service

Some of the benefits of starting your retirement planning now instead of later include:

  • Providing long-term security for your family's future.
  • Tax-free contributions - Pre-tax contributions are subject to income tax only after withdrawal, typically when you retire.
  • Protection from bankruptcy creditors if you need to declare bankruptcy.
  • Selection of retirement plans (IRAs, SIMPLE Plans, SEP plans, Keogh plans, and 401(K) plans to name a few) to meet everyone's needs.

The key to successful retirement planning is an understanding your current financial situation and projecting future needs and developing a plan to make sure it happens. If you've already started saving for retirement, how do you know you're saving enough to live the comfortable lifestyle you deserve? Are your income expectations realistic? Are you sure you have your money in the right retirement plan for you?

My Retirement Planning Services

Tax rules regarding retirement plans are complex however. Each benefit plan has specific requirements as outlined by the IRS and not every plan can be used by everyone.
For example, contributions limits vary by the type of plan, your income, and your age.

Some plans may require withdrawals at a certain age, while others have no age limit.Some withdrawals are taxed at retirement, whereas others are tax free. You'll need to understand the tax implications of your retirement planning choices.

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    That's why it's best to use a tax professional like me. When you use my retirement planning services, you benefit from my in-depth knowledge and years of retirement planning experience.
    Here's what I do for you:

  • Evaluate your current financial situation, including assets and liabilities to achieve an overall value for your estate.
  • Calculate the best way to withdraw funds from your 401K, IRA, Roth IRA, and other retirement plans, for example lump sum or installments over a certain period of years.
  • Create a budget that meets your retirement goals.
  • Review your individual Social Security account to determine when to begin taking your social security benefits.
  • Figure out which retirement plan works best for you and your family, how much you need to contribute now to make sure you have enough money to live comfortably during your golden years.
  • Determine whether you (or your small business) qualifies for a tax credit for contributing to an IRA.
  • Develop a comprehensive retirement plan, keeping in mind that it is likely to change over the years as your life changes.

Start Planning Your Financial Future Now!

There's no time like the present to start planning your financial future. If you're ready to start planning for your retirement years, call me first. Don't wait until it is too late. We'll help you make sure your retirement years are nothing but smooth sailing ahead.