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SECURE WEALTH
BLUEPRINT FOR WEALTH AND FINANCIAL SECURITY
The essentials of successful financial planning and investment management.
COMMON STRATEGIES FOR UNCOMMON WEALTH
Investing
Portfolio strategies to grow and protect your money.
Financial Planning
Creating a roadmap to understand your financial decisions.
Secure Wealth
Wealth management to protect your lifestyle and transfer wealth.
UNCOMMON WEALTH, SECURED BY A PLAN
Your Financial Lifestyle Plan
The essentials of successful financial and investment management. Common strategies to build wealth and secure a comfortable lifestyle through investing.
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Securing Proper Cashflow
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Maintaining Reserves to Remain Debt Free
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Managing Taxes & Portfolio Efficiency
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Paying for College Education
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Protecting Assets through Insurance
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Risk Adjusted Portfolio Management Strategies
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Building Investment Capital for Desired Lifestyle
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Proper Retirement Investing Choices
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Employer Stock Ownership Plan Management
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Business Sale and Succession
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Retirement Distribution & Income Planning
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Health and Long Term Care Plan
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Charitable Giving
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Efficient Estate Transfer
WHAT'S YOUR PLAN FOR FINANCIAL SECURITY
FINANCIAL CHECKLIST
Our financial checklist for 2022 offers some basic financial strategies that can help keep you on the road to financial security, while offering some key areas to explore as you make continued preparation for retirement and your own unique goals.
REDUCE YOUR DEBT
MAKE RETIREMENT CONTRIBUTIONS
CONSIDER ROTH CONVERSIONS
MAKE 529 CONTRIBUTIONS
REVIEW EMPLOYER STOCK PROGRAMS
UPDATE YOUR FINANCIAL PLAN
Debt is the enemy of financial progress, whenever possible utilize discrectionary income to reduce debt. Especially high interest debt that burdens your opportunity to increase your savings.
For 2022 the maximum allowed individual 401k contribution is $20,500 and $27,000 for those over 50 years old. This contribution can be made as a pre-tax or after tax contribution. The ability to make this level of contribution on a pre-tax basis can be a significant tax savings.
If are not able to commit to maximum contributions, make the commitment to increase your savings rate at each salary increase in the coming years.
Because Roth IRA's offer the benefit of receiving tax and penalty free distributions after reaching age 59 1/2 in qualified accounts, it is a good idea to investigation how a Roth IRA can be used as an estate planning tool or a means to acquire tax free income in retirement.
Individuals that have money invested in IRA's can convert these assets to Roth IRA's for future tax-free distributions. When making the choice to convert IRA assets, the IRA account holder will be required to pay taxes on the amount he or she wishes to convert for the year of conversion.
If you would like to support a child or grandchild with future college cost, making 529 contributions to a state registered 529 plan may offer a state income tax deduction based on your allowable contributions.
Employers that offer stock ownership programs or shares of restricted stock, may have restrictions or vesting schedules that offer limited access to the proceeds of your company stock. It is a good idea to review these programs each year to determine how the proceeds in these programs may be used to further your financial pursuits.
To gain a fair understanding of how your investment portfolio is progressing toward your ultimate financial goals, review your financial plan each year to determine what steps are needed to maintain your track to financial independence.
