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Financial consulting is not an event, but an ongoing process designed for you to achieve success and independence. My role as your financial partner is to help you identify and prioritize your goals and dreams. By reviewing all the aspects of your financial life, we’ll identify the strengths and opportunities in your current planning. Together, we’ll create a strategy that will help you achieve these goals and monitor your progress as your life and your needs change. Let me help you secure a clear vision for your financial future and develop strategies to:

Today, retirement is much different than it was just 20 or 30 years ago. Many of us no longer see it as merely an end to our working years, but more like a transition to independence. Not only do we hope to achieve financial independence, but we also dream of having more time to do the things that are most important to us: travel, spend time with friends and family, and explore hobbies and personal interests.

Unfortunately, the biggest risk that we face nowadays is one that we might not think about – living too long and outliving our retirement savings. While many people in the financial services industry and the media say that you will need 70 to 80 percent of your pre-retirement, it is not uncommon to want 100 percent or more.

I can help you achieve the retirement you desire by guiding you through a comprehensive retirement planning analysis. Throughout this process we will:

  • Determine how much income you would like to have
  • Review the resources available to help you maximize your income
  • Discuss the most tax-advantaged planning strategies
  • Examine your risk tolerance and discuss risks such as market and inflation risk
  • Review your financial portfolio to ensure balance and diversification

If you are at or near retirement, I can help you make important decisions regarding the distribution of your retirement assets. In doing so, we’ll consider any estate planning and charitable giving concerns you may have and look for ways for you to pass along as much of your wealth as possible.

Estate planning is a phrase that many people have thrown around recently. You probably have heard about the repeal (albeit a temporary one) of the estate tax. Many of us are not sure what effect this will have on our lives and our planning needs, and more might even be asking, "But what exactly is estate planning? And is it something that I should be considering?"

Estate planning is simply the ongoing process of ensuring a smooth transition of your assets to your loved ones if you should either die or become disabled. There are a variety of vehicles that you can use to achieve this, each with its own advantages and disadvantages. Some of these include a will, various trusts, powers of attorney, and life insurance.

Why should you be thinking about it? Because whether you are young or old, single or married, with or without children, none of us can predict when we will pass away. And since not all assets get passed along in the same way, you ought to think about how you can provide for the simplest distribution of these assets.

By examining your objectives and your current circumstances, I can help you answer questions like:

  • Is a will enough for me to meet my objectives?
  • Do I have the right ownership arrangement on my assets?
  • How do various trusts work? Should I be considering them?
  • What are the tax consequences of passing along my life insurance?
  • Who will pay the taxes on my retirement plan assets (IRA, 401k, etc.)?

You’ve worked hard for everything you have. Don’t let it all be diminished by costly fees and unnecessary taxes. Let me help.

No matter where you are in life, and no matter what your financial goals and dreams, it is never too early or too late to begin an investment program. The investments that are appropriate for you will depend on a variety of factors, including your personal experience, your risk tolerance, and your timeframe.

It is important to consider that all investments carry some sort of risk. In assets like stocks and mutual funds, the risks include market risk and credit risk. In others, like CDs and money markets, you will assume interest rate risk and inflation risk. The question you must ask yourself, then, is not "How can I avoid risk?" but rather "Which risk am I willing to take?"

Diversifying Your Portfolio

When you diversify, you spread your risk among different asset classes. Depending on your goal, you might include a mix of stocks, bonds, and cash vehicles. You may also wish to consider diversifying within these asset classes. For example, if you invest in stocks, you can purchase those of large companies, small companies, and international companies. Diversification will increase your opportunities to maximize your return while minimizing your overall risk.

Assets that are available to you include:

  • Safety – CDs, Money Markets
  • Income – Government and Corporate Bonds, Real Estate
  • Growth – Large Company Stocks, Real Estate
  • Aggressive Growth – Small Company and International Stocks, Options, Futures

Not sure about the right mix for you? I can help you create a model portfolio that is aligned with your goals and time horizon, and, most importantly, doesn`t keep you awake at night.

Life insurance can be an excellent resource for helping you meet many of your goals while protecting the financial security of your loved ones. As you probably know, all life insurance policies have some things in common – you make premium payments to an insurance company and when you die, the company pays a death benefit to your beneficiaries. Generally, this death benefit is received income tax free.

Life insurance comes in many shapes and sizes. Some of the types of policies with which you are probably familiar include term, whole life, and variable life. Choosing among them, however, can be a challenging task.

Term insurance often carries the lowest premiums, but provides no equity for you to access during your lifetime. On the other hand, permanent life insurance (including whole life and variable life) can also provide a living benefit. When you pay your premium, part of it goes into a cash reserve and accumulates tax-deferred. You can generally access this cash reserve at any time, for any purpose. It can be used for things like education expenses, retirement income, and many other needs. The policy also remains in force during your entire lifetime, provided premiums are paid as specified in the policy. This important feature can enable you to do things like:

  • Increase your retirement income
  • Maximize your pension benefits
  • Gift assets to family, loved ones, and charity

Let me help you answer the following questions:

  • Why should I have life insurance?
  • How much should I own?
  • What type should I have?
  • Does my spouse need life insurance?
  • Who should own my life insurance policy?
  • Why is it important to keep my beneficiary designations up-to-date?

Every entrepreneur has a few key objectives: 1) to create, develop, and nurture his or her business; 2) to earn income while increasing the value of the business; 3) to recruit, retain, and reward talented employees; and 4) to pass along the business, to either family members or employees, and ensure that it continues as a viable entity for future generations.

Without a system to attract and retain key employees, your business will continually struggle with turnover and profitability issues. And without a proper succession plan and buy-sell agreement, the business could pass to individuals who are unwilling or unable to manage it as you intended. Worse, since the business is often the biggest asset in your estate, your family might be forced to liquidate it (often at a price that is far below fair market value) to pay estate taxes and administrative costs.

Don’t let this happen to you and your business. Let me help you:

  • Develop a means to retain and reward valuable employees
  • Establish your business succession goals
  • Determine which buy-sell plan is most appropriate for you
  • Secure the funds needed for a smooth transfer of ownership
  • Provide for a buyout of your business interest if you should become disabled
  • Provide your estate with needed liquidity

If you could ensure additional income for yourself and your family while giving generously to your favorite charity and avoiding burdensome taxes, wouldn’t you be interested?

Giving to charity is always personally gratifying – having the financial flexibility to do so is often another matter. However, if properly planned, charitable giving can be a financially rewarding experience for you and your family, as well as the charity of your choice. Let me show how you can maximize the income and estate tax advantages of charitable giving through:

  • Outright gifts of cash and securities
  • Bequests upon death
  • Charitable Remainder Trusts
  • Charitable Lead Trusts
  • Gifts of retirement plan assets
  • Gifts of life insurance

Charitable giving can be a complex financial issue and should work in concert with your estate planning strategies, both during and after your lifetime. I’ll take the time to coordinate your options and the appropriate strategies with your tax advisor, your attorney, and your trustee so you can be sure to reap the rewards you deserve.