01
Defined Benefits & Contributions
02
Roth IRA & 401K
Proper estate planning is critical. Yet, far too few people have the necessary documents for an orderly transition of assets. Most people don’t take the time to make sure their wishes are respected.
The consequences of neglecting this are severe. Through our work we see all too often where proper planning and preservation is not considered and people are left to deal with an unorganized and disorganized inheritance.
Our comprehensive estate planning solutions are easy to use and provide all the tools you need to plan for your family and protect your assets.
what we offer
We Shape the Perfect
Solution for The Future
Time Horizon
Your current age and expected retirement age create the initial groundwork of an effective retirement strategy. Many people think of retirement as a time to lounge around and do as they please, it is important to figure out the budget as soon as possible to ensure that you are set for the new life that is waiting for you.
Spending Needs
Most people believe that after retirement, their annual spending will amount to only 70% to 80% of what they spent previously. Your spending could increase or remain stagnant. The main factor to keep in mind is how much money you spend is your level of happiness after your retirement begins and your new life begins.
Rate of investment
Once the expected time horizons and spending requirements are determined, the after-tax real rate of return must be calculated to assess the feasibility of the needed income. These rates can be determined from historical data or estimated from forecasts and used to predict future potential rates for your portfolio.
tax credits
Tax planning is necessary because it allows you to plan for the future. Tax credits work like incentives and they help you lower the amount of money that you owe in tax liability. They don’t reduce your taxable income; instead, they can be deducted from your final amount owed. This helps to lower your tax liability and money owed.