Our Financial Services
Roth Conversion Planning
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
Individual Tax Preparation
Trust & Estate Tax Preparation
Gift Tax Preparation
S-Corps, LLC’s, Partnerships, C-Corps, & Sole Proprietorships
S-corporations, LLC’s, Partnerships, C-corporations, and sole proprietorships. Our qualified team of Enrolled Agent tax accountants are familiar with all these business types.
Tax Reduction Strategies
“Moving to Tax-Free”
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
We use and provide fee-based annuities for those who seek to have a fee-based annuity.
Variable Universal Life Insurance
With estate tax exemption amounts looking like they are going lower and lower, many more people will get caught with a taxable estate tax problem going forward.
Estate Tax Planning
Arizona Specific Estate Planning
IRA Beneficiary Trust Planning
Wealth Transfer Planning
Long-Term Care-Asset Based
Indexed Universal Life
Variable Universal Life
(LIRP) Life Insurance Retirement Plan
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
Our priority in our investment management is to create stable, secure income ladders for your income needs and maximize growth portfolios for long-term growth. We can maximize growth by avoiding the “potholes.” We have found we can make more money avoiding the wrong asset classes than picking the best stocks.
It is all about asset allocation. Our financial advisors in Scottsdale and Prescott intentionally avoid specific asset classes and overweight the asset classes we want to invest in. As independent financial advisors, we select and use only the best-of-class portfolio managers.
College Funding - 529
Mutual Funds & ETF’s
Individual Stocks and Bonds
Fixed & Variable Insurance Products
These investments can provide diversification to your portfolio by adding real estate in a manner that is beneficial for most investors.