Financial Planning

Tax Loss Harvesting

Are you looking for ways to lower your end of the year tax bill?  Consider utilizing tax loss harvesting.  By effectively implementing this strategy you can use losses sustained by some of the investments in your portfolio, to offset some or all of the capital gains by other investments.  In addition to lowering your capital gains…

Read More

Estimating Retirement Income Needs

Are you prepared for Retirement?  One of the crucial factors in determining your ability to retire comfortably, is understanding what your Retirement Income Needs will be.  It is important to consider what retirement looks like for you.  Do you plan to travel extensively, join a social/country club, provide financial support to children, etc.?  What does your families life expectancy and…

Read More

Taxes on Social Security Benefits

One of the most common questions that I receive as clients prepare for retirement is whether or not social security benefits are taxable.  The quick answer to this question is that it depends.  Social security income is generally not taxed, however depending on the amount of income that you are receiving from other sources such…

Read More

5-Point Portfolio Checkup

At your next portfolio checkup, here are 5 things that we recommend you get into the habit of reviewing. First and foremost you should address any changes to your needs and goals. As with any good plan, it is important to understand what, where, and when you are trying to get. If your goals have…

Read More

Compensation Strategies C Corporations

Are you running a C Corporation and struggling with how much to pay yourself? We take a look at the balancing act between minimizing taxes and maximizing compensation, give you some things to consider when evaluating a level of reasonable compensation and provide some helpful hints on how to avoid costly penalties. Consult your Financial…

Read More

Retirement Planning for Small Businesses

Offering a retirement plan for your business can result in many potential benefits.  For most business owners recruiting the top talent is a challenge.  It can be increasingly difficult when you are competing against the compensation packages offered by some of the larger firms.  Providing retirement benefits for your employees can be that added bump…

Read More

Retirement Plan Assessment

“A goal without a plan is just a wish” – Antoine de Saint-Exupéry. When it comes to retirement planning, simply wishing or hoping that you will reach your goals is not enough. It takes proper planning, dedication and discipline to meet your needs. As a Certified Financial Planner™, I take pride in helping my clients…

Read More