Financial Services
Our Financial Services
Tax Services
Tax Planning
Roth Conversion Planning
Using the “Tax Bracket strategy,” our tax professionals (CPAs and Enrolled Agents) create an annual tax plan to help you strategically convert the right amount each year from your traditional IRA or 401K to your Tax-free Roth IRA.
LIRP Planning
A “Life Insurance Retirement Plan” or “LIRP” uses a permanent cash value life insurance policy. Newer permanent life insurance policies allow you to invest your cash value in accounts that participate in the stock/equity markets allowing for much greater growth potential than the old whole life policies. A LIRP is structured differently than traditional life insurance.
Instead of trying to buy as much death benefit for the least amount of premium. We are trying to buy the least amount of death benefit, for the maximum amount of premium that we are allowed to fund inside of the cash value portion of the policy. Allowing us to “overfund” the policy as much as possible to create our Tax-Free life insurance retirement plan.
Most of these plans will provide an accelerated death benefit that provides Long Term Care benefits free of charge for the insured.
Gift/Estate tax planning
Business Income Tax Planning
Business Sale Tax Planning
Tax Preparation
Individual Tax Preparation
Trust & Estate Tax Preparation
Gift Tax Preparation
S-Corps, LLC’s, Partnerships, C-Corps, & Sole Proprietorships
Tax Reduction Strategies
“Moving to Tax-Free”™
The Two Generation Tax-Free Legacy Plan™
Tax Credits
Tax Deductions
1031 Exchanges – DST (Delaware Statutory Trust)
Reverse Mortgage Tax Strategies
Financial Planning Services
Retirement Income Planning
Social Security Claiming Strategies
IRA’s & 401(k)’s, Simple Plans, SEP’s, Pension & Benefit Plans
Variable Annuities & Fixed Annuities
Variable Universal Life Insurance
Estate Planning
Estate Planning
Estate Tax Planning
Trust Review
Arizona Specific Estate Planning
IRA Beneficiary Trust Planning
In 2014 the Supreme Court of the United States ruled unanimously that inherited IRA accounts do not qualify as retirement accounts. In 2019 the Secure Act was passed, and it killed the “Stretch IRA” which was the ability of your children to take the IRA and stretch the payments out over their remaining life. Now your IRA must be distributed out, and the taxes paid in just 10 years after your death with just a few exceptions. We have excellent planning we can help you implement in this area. View Bruce’s Whitepaper on the Secure Act..
Wealth Transfer Planning
Insurance
Long-Term Care-Asset Based
New ”asset-based” Long-Term Care policies provide protections that old LTC policies do not. Most importantly, premiums can never be increased, and benefits cannot be reduced. Many of them offer a return of premium rider, so you can ask for the majority (80%-100%) of your premium back once the policy is paid in full. If you die, there is a tax-free death benefit that is greater than your premiums, and if you need long-term care, it can provide a big pool that is available to provide for your needs, usually for a number of years. Our financial advisors in Scottsdale and Prescott specialize in helping our clients secure these superior policies if the planning demonstrates that they would be beneficial.
Variable Annuities
Fixed Annuities
Indexed Universal Life
Variable Universal Life
(LIRP) Life Insurance Retirement Plan
A Life Insurance Retirement Plan (LIRP) uses a cash value permanent life insurance policy, usually an Indexed Universal Life policy (not whole life), as the vehicle to create tax-free income in retirement.
It participates in the upside of the Equity (Stock) markets to provide growth up to a cap while still providing a 0% loss floor for downside protection. They can also provide Long-Term care benefits at no additional cost by providing an acceleration of the death benefit for chronic care needs.
These policies are usually used to provide protection from taxation of your taxable accounts like a regular taxable brokerage account or other taxable savings. They do not have contribution limitations like a Roth IRA. In addition, the retirement income generated is tax-free from federal, and state income tax, and does not contribute to “provisional income,” which helps them keep your social security benefits from being taxed.
Wealth Management Services
Fee Based Investment Management & Advisory Services
Fee Based Portfolio Management
College Funding - 529
Investment Vehicles
Mutual Funds & ETF’s
Buffered ETFs
Individual Stocks and Bonds
Fixed & Variable Insurance Products
REIT’s
Real Estate investment trusts provide access to the real estate markets in a diversified manner; allowing individual investors to participate in the ownership benefits of a diversified portfolio of Class A real estate properties spread around the country they would never be able to own otherwise.
These investments can provide diversification to your portfolio by adding real estate in a manner that is beneficial for most investors.
Income Ladders & Growth
Sequence of Return Risk
Fixed Income ladders
Our financial consultants create income ladders in 5-year increments. These income ladders help our investment advisors provide some downside protection to our clients when the equity and bond markets take a severe drop like in 2008 and in 2022. In addition, we create income ladders that provide for stable income over the first 10 years of your retirement. This income ladder separates your income withdrawal from your growth accounts, which can be subject to a significant drop in value.
Maximized Growth Portfolios
Roth Conversion Planning
LIRP Planning
A “Life Insurance Retirement Plan” or “LIRP” uses a permanent cash value life insurance policy. Newer permanent life insurance policies allow you to invest your cash value in accounts that participate in the stock/equity markets allowing for much greater growth potential than the old whole life policies. A LIRP is structured differently than traditional life insurance.
Instead of trying to buy as much death benefit for the least amount of premium. We are trying to buy the least amount of death benefit, for the maximum amount of premium that we are allowed to fund inside of the cash value portion of the policy. Allowing us to “overfund” the policy as much as possible to create our Tax-Free life insurance retirement plan.
Most of these plans will provide an accelerated death benefit that provides Long Term Care benefits free of charge for the insured.