When your IRA or 401(k) has grown large enough that RMDs are coming, the tax bill compounds every year — for you, and eventually for your kids.
Most of our clients come to us at a specific turning point: their tax-deferred accounts have grown substantially, Required Minimum Distributions are approaching (or already here), and they're realizing just how much that will cost them — through taxes, Medicare IRMAA surcharges, and eventually their children's inheritance.
We specialize in helping Orange County families convert IRAs to Roth strategically, often without touching personal savings to pay the taxes.
Retirement Planning
Retirement planning is the art of saving money in a variety of places for your later years. We help you grow your wealth in managed portfolio of Vanguard ETF’s and in wealth building high cash value life insurance policies. If you work at a company which has a 401(k) or 403(b) plan, we help you manage the funds inside your 401(k).
401(k) Plans for Employers
By providing a 401(k) plan to your employees, you are making it possible for them to have a secure and dignified retirement in their later years. Our Multiple Employer Plans (MEP’s) is an easy and low-cost way to offer 401(k) plan to your employees. Our service includes periodic educational meetings with your employees in person and live webinars.
Social Security Optimization
For many couples, lifetime income from Social Security will amount to millions of dollars. Not knowing when to start receiving Social Security benefits for one spouse or both can mean a loss of several hundred thousand dollars. Our Social Security Optimization software, prepared by a well-known university professor, can help you maximize your lifetime benefits.
Estate Planning
Estate planning is more than designating who gets what upon your passing. Our advanced estate planning protects the inheritance of your children from their creditors, ex-spouses and even from their own potential mismanagement of assets. A simple living trust does not provide such asset protection.
College Fund Planning
You want to see your children graduate from top universities. But, today, 4-year degree at top universities costs more than the median price of a home in America. An advanced degree adds even more. With two children, your college expense may become the biggest expense of your life. Let us help you start a college funding plan for your children today.
Succession Planning
There comes a time in every business owner’s life when he/she wants to retire. It is time for business succession. Sell to your child. Or, maybe, sell to your partner or to your key-employees. Or sell to outsiders. What are the intricacies? How do you make your business shine among the competition so that you get the most price? We specialize in business succession planning and in key employee retention strategies.
Business Valuation
First step to succession planning is to know the value of your business. A business broker can give you an estimate, but a proper appraisal may cost you thousands of dollars. We use the same system which is used by UBS Bank, PNC Bank, KPMG and hundreds of other well known financial institutions to value a business at a fraction of the cost.
Life Insurance
Life insurance is the most versatile and an important tool of financial planning. It helps replace your income for your spouse and children, builds tax-favored cash for business opportunities and retirement, helps pay inheritance taxes, helps retain key employees through deferred compensation plans, among many other uses. Our specialty is to match our clients with the best life insurance based on their goals.
