Financial Planning Services

The following are a list of concerns that business owners and corporate executives encounter on a daily basis. We are here to assist you in finding answers to these questions and concerns based upon your objectives.

Accumulation and Retirement

• How much do I need to invest and save to be financially free in the future?
• Will I have enough money for retirement?

   

  Mortgage and Debt Planning

• What is the best mortgage to have (adjustable, 15 year fixed, or 30 year fixed)?
• Should I pay off my mortgage early?
• How much of a mortgage should I have?
• Should our goal be to be debt free?

   

  Retirement Plans

• Should I be putting money into my 401-k at work?
• Should I put more than the company match into my 401-k?
• Should I put money into an IRA or Roth IRA?
• If I am self employed, are specific retirement plans more suitable for me?
• Do I have the correct investments based upon my objectives in my retirement plan?
• Can I take distributions out of my retirement plan before 591/2 and not pay the 10% penalty?
• Am I forced to take money out of my retirement plan? At what age?
• Is having a 401-k a good idea in my tax bracket? Are there other alternatives?

   

  Retirement Distributions

• When can I have access to my money in a retirement plan?
• How much do I need to take out of my retirement plan?
• What happens to my retirement plan at my death? At my spouse's death?
• How much of my retirement plan is taxable at my death?
• Do ways exist to avoid paying tax on my retirement plan income and distribution at death?

   

  Investment Planning

• What risks am I taking with my investments?
• Should I be more diversified?
• What would happen if the stock market crashed?
• Do I have a concentration in one or two asset classes?
• How can I sell a position and avoid income tax and capital gains tax?
• Can I reposition my current investments and reduce risk while increasing my return?
• What expenses am I paying? Can I reduce my expenses?
• Do I need an advisor to help me put it all together: taxes, investments, planning and retirement?

   

  Tax Planning

• What methods are available to me to reduce the income tax on my tax return?
• Can I avoid paying taxes on my dividend and interest income?
• Do any plans exist that I can invest in that accumulate without taxation while producing market-like returns?
• Do any investments exist that offer market-type returns and that I never have to pay taxes on?
• Are there any investments that offer tax credits?
• Are there investments that offer front end tax deductions? 

   

  Insurance and Risk Planning

• Do I own the right type of insurance?
• Am I paying too much for insurance?
• What would happen if my spouse or I died today? Would we have enough coverage to take care of our family?
• Should I own term insurance or some type of cash value insurance?
• What is variable universal life insurance?
• How is insurance taxed? At my death? During accumulation? Upon Withdrawal?
• Is insurance a good investment? What kind of returns can I expect compared to other investments? 

If you have any questions, or would like to find out more information about what we can do for you, please call us at (407)339-9090 or send us an e-mail. Alternatively, you may locate a financial advisor in your area. The first meeting is free.