We Help Our Clients Prepare To Reduce Or Eliminate Taxes In Retirement
Expect higher tax rates in retirement due to our increasing National Debt, and Social Security and Medicare shortfalls.
How Do You Define Wealth?
Your goals. Your values. Your Plan.
We live in dynamic and unpredictable times. Everyone has different goals requiring thoughtful and creative financial planning. We provide financial advice to ensure you’re in the driver's seat for life, no matter what comes your way. And our special focus on reducing or eliminating taxes in retirement will help protect your savings from increasing Federal taxes and help you maximize your after-tax income.
Paul Murray has worked hard to become the best at what he does, from acquiring the most prestigious professional designations, to seeking new opportunities for continuing education, including exclusive membership in Ed Slott’s Master Elite IRA Advisor Group. As an Accredited Investment Fiduciary®, he provides advice that is in our clients’ best interest according to their financial goals.
We custody our clients' investment assets with TD Ameritrade Institutional, and we provide our clients with access to financial planning and performance reporting portals so that they are aware of our progress 24/7, on demand, from any mobile device or computer. And they can even connect their own accounts to track their entire financial picture.
Let us help you take control of your assets and your future to free you to live the life you want. Plan to achieve your financial goals. Plan with us.
We know our country’s fiscal challenges will result in higher taxes in retirement. Through our Guided Roth Conversion Program™, clients have learned how to save properly and shift their assets to reduce or eliminate taxes in retirement.
Our financial plans address the “what-if’s” that may occur in your future, and stress-test your investments for the next financial crisis. We focus on meeting your unique goals and needs at each phase of your life.
We know you have many investment choices. But how do you find the strategy that best meets your risk tolerance, goals and needs, at the lowest possible cost?
Most people turning 65 will have a need for long-term care. Failure to plan could result in a premature spend-down of your assets. We help make sure you and your family are prepared if you need long-term care.
Two young kids. A new home. Two incomes. College loans. We helped them create a financial plan that prioritized reducing debt, savings for college and retirement, vacations, major lifetime events, and home improvements. And we helped set up the right tax-efficient and tax-free accounts to achieve their goals. We even found ways to protect their income. They track it all in our mobile app.
In their early 50's and realizing that college costs are higher than expected, we helped them prioritize goals and consolidated their many financial accounts into fewer, more efficient tax-efficient or tax-free accounts. The financial plan we developed set a course for a tax-free retirement in 15 years, and we meet annually to review our progress. Our web apps helped them connect all their accounts in one location so we can help guide them in all aspects of their financial lives.
Savings look good, but their assets are piled high in taxable accounts. We developed a financial plan to shift and reposition their assets to maximize after-tax income in retirement. We found ways to address the potential need for long-term care and to increase the net value of their estate. And we established low-cost risk-managed investment strategies to improve their plan's success.
Want to learn more about retirement, social security, or estate strategies? We have a wealth of resources.
Global and International Funds
Value vs. Growth Investing