Individuals
Proactive Tax Planning
If you have been successful at saving diligently into tax deferred plans such as 401(k)'s, 403(b)'s or other IRA's, you'll soon be faced with the task of figuring out how to get access to those accounts on the most tax favored basis. Income taxes will be the largest "fee or cost" that you will have related to accessing that money that you've worked hard to accumulate. Let's work together to come up with solutions that enable you to spend and have access to more of your money. We like to say "it's not what you have- it's what you can spend".
Recent research has uncovered what we've always known. The greatest fear for retirees is that they will outlive their savings. Whether you're drawing income from investment properties, Social Security or retirement savings, we believe in a practice called tax bracket optimization. You have 3 income 'buckets' in retirement: Taxable, tax deferred and tax-free. We can help you map out which bucket to draw from to minimize your income taxes. You get to have the life you want, by carefully planning which bucket to draw from, in what order.
Retirement Income Planning
Investment management
We customize "risk based" solutions for you using sophisticated analytical software. Are you enduring too much risk for too little return? We can analyze your current portfolio and compare it to our suggestions to highlight where you could be getting better returns, lower volatility and/or risk. Our unique approach means respecting your values and understanding your perspective on your assets.
An illness or disease management care can drastically change your retirement plans. We have solutions that allow you to access long-term care, when and where you need it. (including at home). Not only do these solutions protect you from exceptionally high costs, any unused benefits can pass to your heirs.
Preserving, protecting and efficiently passing down your estate
Registered Representative, securities and advisory services offered through Harbour Investments, Inc., a broker-dealer, member FINRA/SIPC. Check the background of this firm on FINRA's BrokerCheck.
Securities and Advisory Services offered through Harbour Investment, Inc. Pathway Asset & Tax Advisory & Harbour Investments are not Affiliated. Harbour Investments does not offer tax services.
This communication is strictly intended for individuals residing in the states of AZ, CA, CO, DC, FL, IL, IN, MI, NM, NC OH, SC, TN, TX. No offers may be made or accepted from any resident outside the specific states referenced.
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