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.

 

 
Calculators

LTCI Cost of Waiting

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Personal Inflation Rate

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Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Home Affordability

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Newsletters

HOT TOPIC: European News Causes Market Mood Swings

In recent weeks, the yields on Italian bonds spiked to more than 7%, suggesting the sovereign debt crisis was spreading to a much larger economy and eluding the European Union’s efforts to contain it. The U.S. stock and bond markets have responded to the headlines coming out of Europe. This article explores the role of political risk in U.S. financial market volatility.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

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