Financial Planning & Advisory Services in Tucson AZ

College Savings

College Savings
There are various accounts to help with higher education expenses. One of the most common is a 529 plan. A 529 plan allows for generous gifting or ongoing investment opportunities that grow tax-free if used for qualified higher education expenses. Typically a parent/grandparent is the owner and able to designate a child/grandchild as the beneficiary.

Distribution Planning

Distribution Planning
The distribution phase of retirement planning may be the most critical. There are many factors that come into play and coordinating the various income sources along with when and how to take receipt can be daunting. Tax and estate tax ramifications are an ongoing challenge. Social security planning in itself can be a complex decision. In the years prior to beginning any such distributions, starting a dialog and having a strategy in place can be a useful tool.

Estate Planning

Estate Planning
Estate planning means different things for different families, basically the concerns are how your assets will be distributed and taxed – how your beneficiaries will take receipt and what is their potential tax liability on inherited assets. Planning strategies can be as simple as making sure your beneficiary designations are up to date, to the complexities of creating a life insurance trust. Engaging in conversation early and periodically with investment and legal professionals regarding this aspect of your long term plan is essential as the strategies are numerous and the potential ramifications can be dramatic and irrevocable.

Insurance Evaluations

Insurance Evaluations
Insurance products can be complex and difficult to understand. Creating an insurance needs analysis should be the first step. Having an understanding of the basic types of insurance is important prior to implementing a strategy customized to your interests, needs and resources. We will work with you to determine the right solution for your situation.

Investment Planning

Investment Planning
Investment Planning should be goal driven, investing for college education, retirement, a vacation or vacation home, heath care etc. Based on your objectives, appetite for risk, and time table we can customize an investment plan suitable to your resources and interests. Maintaining flexibility and ongoing monitoring are key components to achieving these goals.

Portfolio Analysis

Portfolio Analysis
Stocks and Bonds. Real Estate and Cash. Domestic and International. Traditional and Alternative. Short-term and Long-term. There are numerous types of building blocks when constructing a portfolio. Your time frame, appetite for risk, expense needs, level of investment knowledge among other determining factors help us design a portfolio to achieve your goals while respecting your concerns.

Retirement Planning

Retirement Planning
Retirement planning is essentially the art of saving, investing, managing income and managing debt. Depending on your stage in life and career there are different approaches and strategies to review when designing your retirement plan. While saving is a very important step toward retirement, education and discipline can be key factors to the overall success of your plan.

Risk Analysis

Risk Analysis
There are numerous types of risk associated with saving and investing. Investment risk – the risk that you lose money - is the most common, but there are many other risks that should be identified and properly addressed. Risks associated with inflation, taxes, and premature death are just a few of the others that can play a part in building and maintaining a portfolio.

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