- Tax Planning
- Charitable Giving
- Estate Taxes
- Roth IRAA nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply.
- Tax DeductionsTax credits, the most appealing type of tax deductions, are subtracted directly, dollar for dollar, from your income tax bill.
- Income TaxEstimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.
- Tax Deferral
- Capital Gains TaxesA debt security issued by municipalities. The income from municipal bonds is usually exempt from federal income taxes. It may also be exempt from state income taxes in the state in which the municipal bond is issued. Some municipal bond interest could be subject to the federal alternative minimum tax. If you sell a municipal bond at a profit, you could incur capital gains taxes. The principal value of bonds fluctuates with market conditions. Bonds sold prior to maturity may be worth more or less than their original cost.
- Mutual FundsA mutual fund whose primary investment objective is substantial capital gains. The return and principal value of mutual funds fluctuate with changes in market conditions. Shares, when sold, may be worth more or less than their original cost. Investments seeking to achieve higher returns also involve a higher degree of risk. Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
- Bonds
- Money Market FundsA mutual fund that specializes in investing in short-term securities and tries to maintain a constant net asset value of $1. Money-market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money when investing in a money market fund.
- Accounting Services
- Cash Flow AnalysisStay on top of your financial life with RightCapital. Link investment accounts, loans, credit accounts to create up-to-date personal net worth statements & cash flow analysis. Optimize debt pay down, student loan payoff and social security filing strategies. Analyze your investments, retirement plans, insurance coverage, tax and estate plans. Follow the link above and get started today.
- Financial PlanningWe offer a rich set of financial planning, investment and insurance services. Select the links below for more information.
- Retirement PlanningThere are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.
- AnnuitiesIncome from investments, such as CDs, Social Security benefits, pension benefits, some annuities, or most bonds, that is the same every month.
- Long Term CareThe odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
- Asset ManagementThe process of repositioning assets in a portfolio to maximize potential return for a particular level of risk. This process is usually done using the historical performance of the asset classes within sophisticated mathematical models. Asset allocation does not guarantee against loss; it is a method used to help manage investment risk.
- Living TrustsA legal entity created by an individual in which one person or institution holds the right to manage property or assets for the benefit of someone else. Types of trusts include: Testamentary Trust – A trust established by a will that takes effect upon death; Living Trust – A trust created by a person during his or her lifetime; Revocable Trust – A trust in which the creator reserves the right to modify or terminate the trust; Irrevocable Trust – A trust that may not be modified or terminated by the trustor after its creation
- Charitable Remainder TrustsA trust established for the benefit of a charitable organization. A grantor who places money, securities, property, and other assets in a charitable remainder trust can designate an income beneficiary, even if it is the grantor herself, to receive payment of a specified amount (at least annually) from the trust. You may also qualify for an income tax deduction on the estimated present value of the remainder interest that will eventually go to charity.
- Gifting Strategies
- Charitable Lead TrustsCharitable lead trusts are designed for people who would like to benefit a charity now rather than later.
- College Funding