Roth Conversions, IRA & 401(k) Rollovers, Distribution, Income, and Estate Planning

Wealth Conservation & Tax Planning Strategies...in the end...it is what you keep that counts!!!

We work within these planning areas utilizing the following services, strategies, and products:
 
  • Tax Free Retirement Planning www.MyTaxFreeRetirementPlan.com
  • Life Insurance Portfolio Review
    • Long term value analysis - is coverage performing as designed?
    • Is it efficient or should it be replaced?
    • Beneficiary designation & ownership
    • Design & implementation analysis - is it tax efficient?
  • Innovative Uses for Life Insurance
  • Non-Qualified Retirement Plan & Employee Benefit Designs
  • Legacy Planning/Estate Planning
  • Retirement Planning
  • 401k & IRA Mutual Fund Analysis www.401kwealthmanager.com
  • Disability and Business Overhead Expense Insurance
  • Long Term Care Insurance
  • Term Life Insurance Quotes
  • Income and Distribution Planning
  • Annuities
    • Multiple Year Guaranteed Annuities (MYGA's)
    • Single Premium Immediate Annuities (SPIA's)
    • Fixed Index Annuities
  • Pension Plan Review & Design
  • Roth Conversion Analysis
  • Managed Money Platforms
  • Non-traditional investment programs
    • Senior Life Settlements www.lifesettlements101.info
    • FDIC Insured Market Linked CD's (MLCD's)
    • Strctured Annuities (re-sale & purchase of existing annuity income streams)
  • Gold & Other Precious Metals    www.royalmetalsgroup.com 
  • CPA 2nd opinion referral service**
     
Approximately 16% of the taxpayers in the US pay 70% of the taxes.  To be in this exclusive club you only need taxable income of approximately $100,000/year.  The top 33% (income of $50,000+) pay over 91% of all taxes*.  With our enormous deficit and social program initiatives (Social Security, Medicare, Medicaid, etc.) as well as the seemingly unlimited government bail-outs, our taxes may very well spiral upward to pay for what many believe has been gross misconduct and fiscal mismanagement.  *Wisconsin Tax Payers Alliance, Oct 2006 
 
Your after-tax return (what you keep) matters most.  This is the reality, and that's why we favor investments and strategies that help our clients to keep more (by managing risk), and avoid over paying taxes.  
 
Don't be someone who avoids this important planning area.  Financial Solutions can help.  Let us help you design a cutting-edge integrated tax, investment, and financial planning strategy aimed at helping protect your invested assets against inflation, market fluctuations, and unnecessary taxes to the IRS.  We can help you manage risk, and show you ways many investors can defer taxes with a focus on reducing taxable income, capital gains, and estate taxes so that you have more money left over either for yourself or your beneficiaries.
 
If you have accumulated wealth to fund your retirement and estate, this is the type of wealth management you should have.  To meet this need, each of our clients have access to our experience and knowledge; however, understand that no one person or one firm can be "all things to all people".  We utilize a team approach of professionals to help address each and every one of our client's goals and objectives.  Depending upon your circumstances, we may elect to bring in CPA's, Attorneys, Long Term Care Specialists, and outside portfolio managers to ensure that your needs are addressed at the highest level. 

**Ask about our 2nd opinion CPA income tax review and tax preparation program.  A recent H&R Block survey concluded 80% of all returns have errors.  Let our referred CPA's review your tax returns.  Contact us for details.

Please click on the links to the right to learn more.  Send emails to joelw@financialsolutions-tx.com, call 866.240.2262 toll free or in Austin, TX call 512.280.6868.

 

 
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Newsletters

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

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Japan’s economy hasn’t been on solid ground since the 1990s, but now it must grapple with rebuilding after an earthquake, tsunami, and nuclear accident that have caused economic losses expected to surpass $300 billion. What is the outlook for Japan and the effects the nation's disasters could have on the world economy and financial markets?

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