Retirement Planning (Pre-Retirees)

• How to utilize retirement accounts when saving for retirement
• Advantages and disadvantages of 401(k)s, IRAs and Pensions
• How to “catch-up” on saving for retirement, even if you started late
• The difference between Traditional IRAs, Roth IRAs and Stretched IRAs
• Explanation of how to organize your retirement accounts, including how to name beneficiaries, how to take an income, etc.  

Retirement Planning (Retirees)

• What to do with retirement accounts when retiring to avoid taxes and penalties
• What a required minimum distribution (RMD) is and why a retiree must take it at age 70 ½ 
• What to do if you do not need a required minimum distribution (RMD) as an income at age 70 ½ and how to reduce the income tax
• What to do with your retirement accounts if someone works beyond the required minimum 

High Net-Worth Strategies

• How to effectively grow, protect and manage assets 
• Explanation of how to integrate charitable giving and private foundations as a financial strategy in a financial portfolio

Tax Reduction at Retirement

• How to reduce social security and income taxes in retirement 
• Exemptions for the long-term capital gains tax and how to utilize exemptions and other financial vehicles to reduce or eliminate it
• The estate tax schedule, the current tax schedule and how to utilize the Economic Growth and Tax Relief Act of 2001 (EGTRRA) to reduce taxes
• Tax reduction strategies for Gift Tax Planning, Family Tax Planning and Income Tax

Estate Planning 

• Probate: What is it? Why do I want to avoid it? And how do I avoid it?
• What a Living Trust is and how to use it to have your final wishes honored
• The benefits of having a Will 
• The process an estate goes through when someone passes away and how to plan to avoid hold-ups and unnecessary taxes

Insurance

• Long-term care insurance:  What is it? Who should have it? And who shouldn’t?
• Life insurance: Who needs it? How to fund a life insurance policy when retired, and how to pick a policy that’s right for you

Assisted Living

• What to consider when assisted living, such as a nursing home, assisted living facility, or adult day care, becomes necessary
• How to protect your assets from nursing home spend-down

Business Planning

• What to consider when looking at Employee Benefits
• How to take advantage of business tax reduction strategies
• Items you should consider when buying, selling or funding a business
• What are deferred compensation plans and how do they work?
• What key factors should be taken into consideration when considering buying and/or selling a company?