Areas of Expertise

Retirement/Lifetime Income Planning

• IRAs:
  • Beneficiary Designation
  • Stretch Options
• Roth IRAs
• 403Bs
• 401Ks
  • “Stranded” Avoidance
• T.D.A.s (Annuities)
  • Stretch Options
  • No withdrawal Penalty Types
  • Health Care Options
  • Annuitization Options

Investment Education/Planning

• Investment Process
• Hidden Costs
• Stock Market Risks
• Allocation Risks

Asset Protection

• Dynasty Trusts
• Liability Avoidance
• Pre-Nuptials

Money Management

• Custom Investing
• Individual Budgeting
• Debt Consolidation
• Net Income Distribution

Real Estate Analysis

• Mortgages / Reverse Mortgages
• 1031 Exchanges
• Refinancing / Equity Lines of Credit
• Depreciation
• Capital Gains Avoidance
• Real Estate Management

Insurance Analysis

• Term vs. Whole Life vs. Universal Life
• “Umbrellas”
• Long term Care Ins.

Business Management

• Succession Planning
• Defined Contribution Plans
• Accounting Management
• Selling Strategies
  • Capital Gains Avoidance
  • Phantom Stock Agreements

Estate Planning

• Probate Avoidance
  • Living Trusts / Real Estate Trusts
• Estate Tax Avoidance
  • Generation Skipping Trusts
  • Gift Tax Planning
• Charitable Giving
  • Charitable Remainder / Lead Trusts
  • Family foundations
• Wills / Power Of Attorney / Health Care Proxies
• Trustee Planning

Education Planning

• College Plans

Life Planning Issues

• Caregivers “Special Needs” Planning
• Family Dispute Issues
• Inheritance Issues
• 2nd Marriage / Family Planning
• Guidance for Surviving Spouse
• Home Health Care Planning Assistance
• Elder parent Planning