Estate Planning
A proper retirement plan should include estate planning. Everyone has stuff; either a little or a lot. Making a plan in advance and naming who you want to receive your things after you pass is a portion of estate planning. However, good estate planning is much more than that.
Asset Protection
It's important to create a plan to protect assets from creditors, litigation, divorce, market downturns, nursing home spend down, faster spend down of assets in lower interest rate environments, and more. Proper estate planning should include some form of asset protection.
Joint Ownership
How should you pursue the issue of joint ownership on your assets? Every client is different, and we look at each case to give the best potential directions we can give. We can help you know the legal implications of joint ownership and avoid unintentional disinheriting.
Retirement Strategies
We offer retirement strategies that can help you know when to start retirement activities, like taking your Social Security income. Many people say 62, but for most, that can reduce your total benefits by $50,000 to $180,000 or more over your lifetime! Integrity Retirement Solutions has advanced software to help calculate hundreds of potential variables to tell you how to plan and optimize your benefits.
Veterans Benefit Planning
We work with veterans to help plan their finances through our 'not-for-profit' division, Veterans Benefit Advisors. To date, we've helped hundreds of veterans receive millions of dollars in annual benefits at no cost for our help in the application process.
Tax-Free Wealth Transfer
Inheritance taxes, sometimes called death taxes, can be optional if planned for ahead of time. Typically, there are rules that prohibit “death bed transfers.” However, if the transfer of wealth is planned, and action is taken at least one year before death, you can significantly reduce or eliminate inheritance or death taxes.
Let's Discuss Your Retirement Plan
To request a complimentary consultation to discuss your plan, provide your information below.