I’m here if you need help
While our relationship has developed primarily around your investments, I am here if you need help with other important financial decisions.
One reason I became an independent fiduciary advisor is to help my parents. With experience, I realized that their expensive annuity was not in their best interest but a quick and easy 8% commission for their advisor. Because of high fees, annuities didn’t make sense for almost anyone. Now, there are low-cost and commission-free annuities that fiduciary, fee-only advisors like me recommend for clients looking for a little more certainty. With rising interest rates, these annuities can be a great alternative to bonds for guaranteed income in retirement.
Wills and Trusts
Estate planning is one of the most misunderstood elements of financial planning — people assume they need millions in assets to create a plan, or they think the legal documents are too expensive. With scaled online services, attorney-quality estate planning is now affordable. To help guide you with your will or trust, I partnered with EncoreEstate Plans (formerly known as Helios).
Medicare Plan Selection
Your healthcare needs can change from year to year. So can Medicare plans. That’s why it’s essential to review your coverage annually and ensure you have the right plan for your needs. With Healthpilot, we can help you find and enroll in the right Medicare plan easily every year.
Federal and State Tax Planning
Ongoing tax planning strategies may help lower your annual tax liability and answer some of the most important questions. Will converting your IRA to a Roth bump you to a higher tax bracket? Could there be unreported IRA, Roth, HSA, or 529 contributions? What about charitable giving? These analyses and reports can help you or your CPA identify potential miscommunications and process the tax filings more smoothly each year.