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Retirement Planning (including Estate and Trust)

Consult with us on your trust, estate, or IRA plan. Our highly experienced estate and financial planners can help you reduce your estate tax exposure and manage your assets. Your heirs will appreciate your sound planning, and your desire to share your assets with them.

We have the financial background and tax expertise to deal with complex business situations, while remaining sensitive to the human aspects of the planning process.  An estate plan constantly evolves as circumstances in life change, therefore, estate plans should be reviewed on a regular basis. We will meet with you as many times as necessary to accomplish your goals.  If on a contrary you have questions with a retirent plan, be it a 401k, IRA or other, count on us to assist you.

Developing an effective and safe retirement strategy is no easy task. Retirement planning requires both specialized financial planning and an approach to investment management that is specifically structured to drawing money out. There are many strategies that work well during a person’s wealth accumulation years, but very few that work during a person’s draw-down years. Most people will need to work with an expert. However finding a real expert is challenging. Many large institutions are spending a great deal of money to convince you that they can help you navigate retirement successfully. However, there is a difference between clever advertising and actually delivering high caliber retirement planning services. We strongly suggest that you work with a firm that is held to a fiduciary standard, such as Got Taxes. Finding an advisor who can provide retirement planning services tailored to your needs and priorities may be the most important financial decision you will ever make. If you are retired or nearing retirement we invite you to contact Got Taxes for an appointment to discuss our planning services. What we do?

When we undertake a comprehensive tax, estate, and financial analysis we discover that our clients want real answers to help them in some or a majority of the following areas:

Tax Strategies, including

  • IRA Distribution Strategies
  • Minimizing or avoiding taxes on Social Security Income
  • Avoiding (not merely postponing) Capital Gains taxes on highly appreciated assets
  • Roth vs Regular IRA calculations
  • Stretch IRAs vs Retirement Trusts
  • Transferring Assets from a Taxable environment to an Environment that Generates a Tax-free Retirement Income and may Pass Income and Estate Tax-free to Heirs

Estate Distribution Planning, including

  • Review and updating estate documents, with a focus on uncovering how assets may unwittingly pass to unintended heirs, making sure you have the right trustee(s), addressing issues that may apply if your estate plan was created in another State
  • Life/Legacy Planning – taking your estate plan to new levels of effectiveness

Estate Tax and Settlement Cost Planning, including

  • Estate tax projections
  • Approaches to either minimize or avoid a taxable estate
  • How to pay estate taxes

Retirement Planning Preparation and Options, including

  • Projections of income resources considering various assumptions: deficit spending, tax rates, inflation rates, interest rates, and longevity
  • Determining the preferred assets from which to draw income in what order to minimize taxes

Asset Protection Strategies, including

  • Strategies to maximize protection of your assets from frivolous lawsuits or creditors in this litigious society

Investments and Asset Allocation Strategies, with a clear distinction between allocating assets that are non-securities versus securities, including

  • Comparing assets side-by-side according to criteria that matters to you: Income Tax implications, Safety, Returns, Liquidity, Guarantees, Creditor-protection, Simplicity, and Fees, loads, charges & expenses
  • CD’s and cash equivalents
  • Annuities
  • Over-funded Life Insurance
  • Real Estate
  • Trust Deeds
  • Stocks
  • Bonds
  • Mutual Funds
  • Variable Annuities
  • More

Risk Management and Insurance Review and Analysis, including






  • Long Term Care Insurance
  • Medi-Gap or Medicare Supplement
  • Life Insurance
  • Umbrella Liability
  • Other

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