C O M P R E H E N S I V E
Our Comprehensive plan is a culmination of our Establish and Advance plans, and the services listed below. The result is a holistic approach to financial advising designed to benefit both established investors and those closer to retirement.
Tax Planning Strategy
Optimize tax strategies to manage short term and long term tax liabilities. Reducing taxes is essential to the financial planning process; it's not what you earn, but what you keep that counts.
Employer Benefits Review and Compensation strategy
Detailed Review of Employee Benefits to help you take advantage of vital, existing benefits that can have a profound impact on your financial plan.
Business Planning
Integrating your business planning with your personal planning is like putting together the pieces of a puzzle. In the ever-changing world of tax and employee laws, putting the puzzle together and keeping it that way takes flexibility and requires regular monitoring. There are many unique opportunities for business owners that can have a drastic and positive influence on their bottom lines.
Estate and Multi-Generational Planning
Regardless of the size of your estate, a properly designed and executed estate plan can make wealth transfer easy for everyone involved. The end goal is to ensure that the wealth you worked hard to build carries on the future generations. We will discuss what components of an estate plan may be appropriate for you, help review existing documents and beneficiary designations, and can refer you to a trusted estate attorney if necessary.
Social Security Analysis and Planning
Choosing the right strategies to maximize your Social Security benefits is one of the most important and often overlooked retirement decisions. Maximizing your Social Security Income requires pre-planning and coordination with many other parts of the financial plan.
Real Estate Strategies
Specifically, strategies for utilizing Real Estate as an asset and income diversifier. Review for current real estate holdings and/or new opportunities, discuss various financing options, and provide general guidance.
Charitable Giving Solutions
There are many factors to consider when including Charitable gifts in your financial plan. Timing alone can have financial consequences to all involved. Factors to carefully consider include current and future taxes, which assets to gift, and many others.
Mortgage and HELOC Analysis
Debt can be a major source of stress for many, but not all debt is bad. A thorough review of your mortgage and/or HELOC can help optimize every dollar.
Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Advisers LLC Advisory Services Agreement and disclosure brochure as provided.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services LLC nor any of its representatives may give legal or tax advice.