Our comprehensive investment planning and review process first helps you to determine what your risk tolerance profile is and then we match you with an appropriate investment portfolio. We help you to choose inversely correlated investment classes so that your investments continue to increase in value over time, despite downturns in certain market sectors. We also have the ability to provide you with access to institutional investments… lower cost investments that are actively managed and provide a wide range of portfolio options. Please contact us to make an appointment with that R. J. to discuss your investment planning options.
Paying too much in taxes or setting the stage for higher estate taxes for your heirs? Let us review your tax situation. Or perhaps convert ‘involuntary philanthropy’ (i.e. taxes) to ‘voluntary philanthropy’ through charitable planning.
“Zero tax planning” approach is simply utilizing the rules that are already in the tax law, but which only a fraction of advisors discuss with their clients, and even fewer clients are aware that these opportunities exist.
We make sure that your retirement planning is properly designed so that you can really enjoy your retirement years. We help you to maximize your retirement income and assets by focusing on specific deadlines and amounts that you intend to have earned or saved. We review your retirement investments and investment portfolio and help you to eliminate underperforming assets.
Over $1.3 trillion in outstanding student loans is having a paralyzing impact upon the financial stability of graduates. Helping your child, niece, nephew or grandchild with an education savings plan may be one of the greatest gifts you can give to another. In addition to the popular Section 529 College Savings Plan, there are also many other ways to save for a college fund. Some of the education savings plans allow money to grow federally tax deferred and the proceeds can be withdrawn tax free for “qualified” education expenses. R. J. will review each client’s situation and find the best option that suits them and the child who will receive the education savings plan. Please contact us to discuss education savings options.