Know where you’re going and how you plan to get there. As a first step in the investment process we set the goals with the investors, define the risk tolerances, outline asset allocation plans, and capture other key investment considerations in a detailed document known as an Investment Policy Statement (IPS).
Believe it or not, you have an estate. In fact, nearly everyone does. Your estate is comprised of everything you own— your car, home, other real estate, checking and savings accounts, investments, life insurance, furniture, personal possessions. No matter how large or how modest, everyone has an estate and something in common—you can’t take it with you when you die.
Income Tax Planning
Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.
Pension & 401k Options
Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan, IRA rollover, or taking a cash distribution (taxes and possible withdrawal penalties may apply).
Social Security Planning
A wise strategy for claiming Social Security benefits may result in additional retirement income. Social Security retirement benefits help provide lifetime, inflation-adjusted income. Combined with your retirement savings, plus any pension benefits you may receive, Social Security may serve as an important component of your overall plan for retirement income.
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