Our independence from any bank or mutual fund company allows us to choose investments for our clients without any bias or conflict of interest. Your customized portfolios will be constructed, monitored, and adjusted with your best interests in mind.
401k Rollovers - Do you have money sitting in a 401k from an old job?
Rolling over an old 401k can be a confusing and dubious task that can result in penalties or taxation if not done properly. We provide the option to rollover your old 401k(s) into an IRA in an effort to consolidate your retirement plan and allow for a wider variety of investment options.
Traditional and Roth IRA Accounts - Have you considered utilizing all of the tax-advantaged accounts available to you?
Traditional IRA and Roth IRA accounts are a great way to save for retirement. After gaining an understanding of your current financial picture, we can help you determine which type of IRA might benefit you more. Depending upon your income, these accounts can sometimes be used in addition to your existing retirement plans at work.
Brokerage Accounts - Would you like to open an investment account while still being able to access your funds without penalty?
Brokerage accounts are a nice way to save for intermediate to long-term goals. Maybe you have already maxed out your IRA contributions but want to save more. Brokerage accounts may also be appropriate if you feel you have too much money sitting in checking/savings accounts and you would like to be a little more aggressive.
Self-Employed Accounts - Are you self-employed and looking to save for retirement?
Opening a SEP IRA, SIMPLE IRA, or Solo 401k account may be a good option for you. In many cases, owners of these accounts are allowed to contribute and deduct more into these plans than through Traditional/Roth IRA options. We will help you understand the IRS requirements of each account option so you can make an educated decision.
Educational (529) Accounts - Would you like to help your children or grandchildren pay for their education?
One of the most positive, yet overlooked changes within the recent Tax Cuts and Jobs Act (2018) is the increased flexibility given to 529 Savings Plans. Instead of only being able to use 529 funds for higher-education, beginning in 2018, these funds may now also be used for private, public, and religious K-12 education. Contributing to a 529 plan may also provide you a state income tax deduction.
Inherited Accounts - Have you recently received an inheritance and are unsure of your options for collecting and managing the proceeds?
An inheritance almost always comes as a result of a loss of someone you hold dear. During this difficult time, it can be challenging to navigate the IRS distribution requirements and options to make the decision that can best fit your financial plan/situation.