INVESTMENT PLANNING

Investment Planning

WEALTH ADVISORS

Financial Planning Services

Retirement Planning

Retirement planning will include determining time horizons, estimating expenses, calculating required after-tax returns, assessing risk tolerance, and beginning the full estate plan. Retirement planning should begin as soon as an individual begins making a steady income and can begin to take advantage of the power of compounding interest. Its either working for you or against you.


Asset Protection

Asset protection is a component of financial planning intended to protect one's assets from creditor claims or loses from market declines. Individuals and business entities use asset protection techniques to limit creditors' access to certain valuable assets while operating within the bounds of debtor-creditor law. 


401(k) 403(b), 457 Rollover

When you leave an employer you have four options for your 401(k) 403(b), 457.


  1. Keep your 401(k), 403(b), or 457 with your former employer.
  2. Consolidate into your new employer's plan if you are still going to continue with employment.
  3. Cash out your 401(k), 403(b), or 457 and pay the taxes in full in order to have access to the full lump sum.
  4. Process a rollover into an IRA or Roth IRA.


Let's look at each of these strategies to determine which is the best option for you in your given circumstances.


Income Planning 

Income planning is the process of identifying income gaps if any, how to solve those gaps, and developing a realistic expectation of what your retirement will look like from a financial perspective and how to adjust in advance to ensure this need will be met.


Legacy Planning

Legacy planning is a financial strategy that prepares people to bequeath their assets to a loved one or next of kin after death. These affairs should be planned for and organized by your financial advisor well in advance.


Tax Planning 

Tax planning is the analysis of a plan to ensure that all elements work together to allow you to pay the lowest taxes possible. A plan that minimizes how much you pay in taxes is referred to as tax efficient. Tax planning should be an essential part of an individual investor's financial plan.


College Planning 

There are several different tools available to set aside funds for future college expenses. Let us assist you in determining which option is the best fit for you and your family.

Investment Options

Mutual Funds and ETFs

A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. An exchange traded fund (ETF) is a type of security that tracks an index, sector, commodity, or other asset, but which can be purchased or sold on a stock exchange the same as a regular stock. An ETF can be structured to track anything from the price of an individual commodity to a large and diverse collection of securities. ETFs can even be structured to track specific investment strategies.


Common Stock

Common stock is a security that represents ownership in a corporation. Holders of common stock elect the board of directors and vote on corporate policies. This form of equity ownership typically yields higher rates of return long term. However, in the event of liquidation, common shareholders have rights to a company's assets only after bondholders, preferred shareholders, and other debtholders are paid in full. Common stock is reported in the stockholder's equity section of a company's balance sheet.


Bonds

A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental). A bond could be thought of as an I.O.U. between the lender and borrower that includes the details of the loan and its payments. Bonds are used by companies, municipalities, states, and sovereign governments to finance projects and operations. Owners of bonds are debtholders, or creditors, of the issuer. Bond details include the end date when the principal of the loan is due to be paid to the bond owner and usually includes the terms for variable or fixed interest payments made by the borrower.


Traditional, Roth, Simple, SEP IRA's, 401 K's

The tax status of your Investment could be predetermined by where it originated, or the decision may still be up to you. There are different benefits to each status and maybe its the right time for you to do a conversion. We will help analyze each account and help guide you through the process of comprehending and confidently making these decisions. 


Brokerage and Managed Accounts 

A brokerage account is an investment account that allows you to buy and sell a variety of investments, such as stocks, bonds, mutual funds, and ETFs. Whether you're setting aside money for the future or saving up for a big purchase, you can use your funds whenever and however you want.


Fixed and Fixed Indexed Annuities

A fixed annuity is a type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contributions to the account. An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities, which pay a fixed rate of interest, and variable annuities, which base their interest rate on a portfolio of securities chosen by the annuity owner. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities. Both types of annuities can function as a bond alternative inside of your portfolio for the portion of your assets you want to keep safe from risk of market declines.

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