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FINANCIAL
PLANNING
Most
people today understand that developing sound financial management is
vital in order to ensure their financial security and success.
However, obstacles such as debt, procrastination, and inflation are
preventing them from identifying and achieving many of their financial
goals
PORTFOLIO
MANAGEMENT
People
need investment portfolios that can help them buy a home, finance a
college education, save for retirement, and achieve other important
goals. Even investors with some experience, however, often do not
have the expertise, time, or information they need to manage their
investments.
RETIREMENT
PLANNING
One of
the biggest financial worries among Americans today is having enough money
for retirement. The future of Social Security is uncertain and
traditional employer-defined benefit plans are becoming less common.
As a result, individuals are having to assume more of the responsibility
of their retirement.
TAX
STRATEGIES
Utilizing
sound tax reduction strategies can provide substantial financial
savings. Unfortunately, most people are not aware of all of the tax
breaks that can help them keep more of their income. We can help you
understand the benefits of various tax planning opportunities, such as
tax-favored investing in charitable giving, and home ownership.
1031 REAL ESTATE EXCHANGES TO
TENANT-IN-COMMON ("TIC") PROPERTIES
Individuals selling "investment property" can exchange their debt and equity,
upon the sale and closing of their escrow to a large commercial or industrial
property for "tenant in common" ownership. This specialized (and highly
personalized) type of transaction can possibly satisfy the Internal Revenue
code 1031, thus deferring capital gains tax and recaptured depreciation on
the sale of your investment real estate. This strategy can be effective for estate
planning as well, but must be considered carefully with an experienced
tax advisor
working in this area. (1)
ESTATE
CONSERVATION
The
estates that people spend a lifetime building are often significantly
diminished by the time they are passed on to their heirs. People
are looking for solutions that can help them reduce their estate taxes and
ensure that their assets are distributed according to their wishes.
MUTUAL
FUNDS
There
are currently more then 7,500 mutual funds available to private
investors. Each one has its own characteristics and provides
specific investment opportunities. With that in mind, how do you
know which mutual fund will help you achieve your financial goals?
(2)
ANNUITIES
People
are looking for solutions that can help them reduce taxes, fight
inflation, make better investments, and plan for a brighter retirement.
They also need specific strategies based on their individual situations to
help them attain their goals.
TAX
PREPARATION AND PLANNING
Complicated tax laws and constantly changing tax forms can make even the
simplest tax returns frustrating and time consuming to prepare. Many
people are passing up credits and deductions to which they are legally
entitled. We can help you minimize the annual "tax bite" so you can
keep more of your hard earned dollars.
LONG-TERM
CARE
Long-term
care costs are escalating and people of all ages are realizing that their
monies and assets can be rapidly depleted by a debilitating illness or
injury. Still many people fail to insure against this risk.
Long-term care dispels common misconceptions such as "It will never
happen to me" and "Medicare will pay for it."
Long-term care insurance is a critical part of financial management for
people who want to protect their assets, and preserve their dignity.
401(k)
RETIREMENT PLANS
Today,
taxes and inflation are making it increasingly difficult for people to
save enough money for a comfortable retirement. More and more are
concerned about being financially unprepared for retirement. still, they
are either not fully utilizing their employer-sponsored 401(k)plan or not
participating in it at all.
(1) There may be risks and expenses
associated with these transactions, as with any real estate transaction, and may
not be suitable for everyone. Please request and read the offering
memorandum and disclosure information carefully before entering into such
transactions.
(2) Mutual funds are sold by
prospectus only. Please request, read and review prospectuses carefully
with your investment professional before sending money or investing in mutual
funds.
It's more than a name. It's a commitment.
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