Investment Management
  • Fee-based asset management
  • Primarily investment vehicles – open- and closed-end mutual funds, annuities, liquid alternatives, exchange-traded funds (ETFs), business development companies (BDCs), nontraded REITs
  • Tactical proactive asset allocation through active management
  • Capital preservation strategies
Retirement Income Strategies

  • Strategies to sustain lifetime income
  • Strategies to delay and subsequently maximize social security benefits by bolstering current income
  • Pension maximization from government-sponsored retirement plans
  • Benefits of Roth IRA conversions and strategies to offset income taxes
  • Strategies to maximize benefits from inherited retirement accounts
  • Effective and seamless 401(k) plans through platforms that provide high transparency, low expenses, fiduciary protection, and a multitude of highly rated investment options 

Tax Reduction Strategies
  • Benefits of tax-deferred and tax-free investments
  • Health savings accounts (HSAs)
  • Qualified retirement plans

 

Estate Planning
  • Methods to minimize estate and income taxes during life and due upon death
  • Benefits of various forms of trusts
  • Essential role of beneficiary designations
  • Benefits of Life Insurance
Elder Care and Estate Planning
  • Asset protection strategies
  • Long term care insurance options
  • Benefits of converting assets to income
  • Benefits of life Insurance
College Education Planning
  • Benefits of 529 plans
  • Coverdell Education Savings Accounts (ESAs)
  • College Aid Strategies
Insurance
  • Life insurance - personal, business (keyman, buy/sell, executive bonus, split dollar)
  • Long Term Care - annual and accelerated payment plans, one time lump sum combination plans (long term care and life insurance)
  • Long term disability insurance - personal, business (salary continuation plans, group disability)
  • Medical insurance - group medical
  • Annuities - variable, fixed, equity indexed, immediate annuities

Important Information About Your Advisor.

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This communication strictly intended for individuals residing in the states of CA,CO,CT,DC,FL,GA,IN,MA,MD,ME,MI,MO,NC,NH,NJ,NY,OR,PA,RI,SC,VA,VT. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.
Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks,
including possible loss of the principal invested.
Securities and advisory services offered through Commonwealth Financial Network®.
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