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Wealth Distribution/Income
 Social Security
 IRA’s and 401(k), etc.
 Brokerage Accounts

 Avoiding Probate
 Wills and Trusts
 Retitling Assets

 Minimizing Taxes
Income Taxes

Capital Gains Taxes
Federal Estate Inheritance & Gift Taxes 

Insurance Protection
 Life Insurance
 Long Term Care Insurance

Minimizing Health Care Expenses

Applying For Health Care Benefits

The purpose of retirement planning and estate planning is to proactively manage your financial affairs. An effective retirement and estate plan will provide stratagies that will guide you on income distribution and will safeguard one’s assets now and into the future. Assets are everything you own including bank accounts, investments, your home, retirement plans and other items of value. The goal is to protect and preserve as much of the estate assets as possible. This is done in a variety of ways, depending on what the asset is and how it is owned.

Without proper planning, individuals can expect to pay the maximum for health care, the maximum in taxes, and usually coupled with large legal fees to settle estates. Most people are not aware of the various things they can do to protect themselves or the benefits they may be entitled to.

A good plan will provide for investment advice, insurance protection, tax advice and ensuring you have the appropriate legal documents. Each case is different and no one solution fits all. An effective  plan is customized to each individual. 

With proper planning you will be able to reduce or even eliminate risk in your investments. There are many forms of risk: risk of losing money, risk of losing income, risk of missing opportunities, and risk of making poor decisions. 

Retirement and estate planning also provides for the management of your assets while you are alive as well as after your death. All too often people with good intentions make poor decisions on the disposition of their home, IRAs, cars, and their money without regard to the legal and tax consequences. Frequently, people believe they can give assets away to their children to avoid future problems; this is rarely the case. 

Finally, an estate plan needs to be periodically reviewed in light of tax law changes, changes in health conditions, and family matters. No estate plan is set in stone forever.

Estate Protection Planning

​Financial Life Planning