Wealth Management


Tax Diversification

Qualified Retirement Plans

  • Retirement plans eligible for tax benefits.
  • Set by employers to help employees make money.
  • Employers receive tax breaks for contributions they make for employees.
  • Employees can contribute using part of their salaries (which lowers their taxable income).
  • Two types: Defined benefit and defined contribution.
  • Defined benefit - Funded and managed by the company. Employees are guaranteed payout at a later date. Examples: Pensions
  • Defined contribution - employees pay and contribute and bear the risks. Example: 401k.
  • Early withdrawals are usually subjected to fees (unless disabled, or a special condition is met).

Legacy Planning

Credit Management

Risk Management

Asset Management

Income Planning