INVESTMENT AND RETIREMENT PLANNING SPECIALISTS
Our aim is to put the needs of customers first. To accomplish this goal we recommend comprehensive financial solutions to our clients that emphasize the use of non-proprietary products and services. Our corporate focus is to build enjoyable and long lasting relationships that are built on a foundation of trust.
We offer free initial investment & retirement planning analysis. Below is a brief description of the different reports that we can generate for you.
401k Savings Plan Investment Review
Choosing between investment options in your company’s 401(k) or other savings plan can be a daunting task. Which investments are best suited for your personal situation? How many do you need to be diversified? Which have the appropriate risk level for you?
We will review your investment allocations and contributions and generate a custom designed report for you in which we make recommendations based on your personal financial objectives.
IRA 72(t) Income Distribution Analysis (SEPP)
Did you know that there is a way you can withdraw money from you IRA before you are 59 ˝? Normally there is a 10% penalty on premature (before 59 ˝) IRA withdrawals.
Exception: If withdrawn annually in Substantially Equal Periodic Payments (SEPP) for 5 years or until age 59 ˝ (whichever is further), the IRA 10% premature withdrawal penalty may be avoided.
These withdrawals must be structured properly. Before implementing any strategy, you should seek the services of a qualified tax professional.
We can run an IRA approved report for you, which will illustrate just how much income you may be able to withdraw from your IRA prior to age 59 ˝ and avoid the 10% penalty.
Retirement Income Analysis (RIA)
Have you thought about exactly how much money you will need in order to retire? How about how long the money you’ve saved will last? This report attempts to show you if your current assets will be sufficient to meet your retirement goal (adjusted for taxes and inflation) and how long your retirement assets will last, taking into consideration your on-going earned income, the money you’ve saved (IRA, 401(k), investments, etc.), as well as the anticipated growth of your investment assets. This hypothetical report can be re-run with varying scenarios.
We will run this report attempting to show how cash flow may be generated to meet your annual income needs. In addition to illustrating cash flow generation, the RIA also shows how your assets might grow during retirement to protect against inflation.
This report is used for illustration only. It is not intended to show actual performance and rates of return are hypothetical and not predicative of any specific investment. Interest rates, or values that are set forth in the illustration, are not guaranteed and taxes, sales charges and investment expenses are not considered. Your actual results will vary.
Investment Portfolio Review Analysis (Financial Physical)
If you have assets invested with another firm, you may be interested in a second opinion. Using our financial analysis software, we will generate a report for you. It will show your current asset allocation among cash, bonds and stocks and identify your stock sector and asset class breakout (large cap vs. small cap, value vs. growth).
We will then provide you with an overall review of potential areas that in our opinion might improve your portfolio positions, including a comprehensive fee, performance, and risk evaluation.
Our primary area of expertise is in investment and retirement planning; however, we also provide analysis on the following topics:
- College 529 Planning
- Estate Planning
- Life Insurance
- Retirement plans for small business
- Charitable giving
Please feel free to contact us for any of the above mentioned services, or if you have any questions regarding your financial health. We look forward to working with you.