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Planning Services

Financial Planning

Most individuals do not have a clear plan for achieving financial goals. First, through insightful interviews, risk questionnaires, and candid discussions, we help clients define their goals and objectives. Next, we design your personalized financial plan. This individualized approach allows each client to have a feeling of control over their financial destiny.

Tax Planning

We understand that no one enjoys paying taxes. However, most individuals will not argue with paying a level of tax that they feel is fair. When evaluating the performance of in investment portfolio, it is important to gauge the impact of taxes on the returns. This factor is often ignored. Conversely, many times investment decisions are made with the emphasis on income tax implications, resulting in the "tax tail wagging the investment dog." We assist clients in reducing their taxes as much as is allowable by designing a goal-focused portfolio that is tax efficient.

Estate Planning

The greater the assets accumulated over a lifetime, the more exposure to estate taxes. Since these rates are high, up to 45%, it is important to reduce estate tax exposure as much as possible. Just as important, however, is helping clients take care of their heirs, keep a family business viable or fund a charity.

Social Security

Social Security is an extremely important part of the retirement planning process. Making the best decisions regarding the various claiming options available could mean tens of thousands of extra retirement dollars. We will analyze and review the options and help you to make the best decision for you and your family.

Gifting Strategies

There are many ways to gift assets to family members and charities. As of the 2017 tax year, each of us can give up to $14,000 to any individual and there are no gift tax implications. This means that if you are married, you could gift up to $28,000 to a child or grandchild. This can be in cash or appreciated securities, the latter transferring gains to the recipient. If you are subject to the Required Minimum Distribution rules on your IRA, you can make a Qualified Charitable Distribution of up to $100,000 directly from your IRA to the charity of your choice. Making a charity one of the beneficiaries of your IRA, while allowing your heirs to enjoy the step-up in basis on other assets, achieves the goals of charitable giving and effective estate planning.