Services
Social Security Optimization
Maximizing Your Retirement Benefits
Why It Matters:
- 67% of retirees depend on Social Security for a major portion of their income.
- Many people lose up to $110,000 in lifetime benefits due to poor claiming strategies.
How We Help:
- Personalized Social Security Strategies:
- Optimize claiming age for maximum lifetime benefits.
- Understand how spousal and survivor benefits impact financial planning.
- Minimize tax burdens on Social Security income.
- Registered Social Security Analyst (RSSA) Guidance:
- Work with an RSSA-certified expert to receive a tailored Social Security roadmap.
- Get clarity on government provisions like the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO).
✅ Best For: Retirees, pre-retirees, business owners, and individuals looking to optimize their benefits.
Legal & Succession Planning
Protecting Your Business, Legacy & Assets
Why It Matters:
- 60% of small businesses fail to have a succession plan, putting future ownership at risk.
- Families without estate plans face legal complications, excessive taxes, and probate issues.
How We Help:
- Small Business Succession Planning:
- Develop a transition plan for ownership & leadership continuity.
- Minimize tax burdens and protect assets.
- Ensure a smooth exit strategy for retirement or unexpected events.
- Estate & Legacy Protection:
- Draft and review wills, trusts, and power of attorney documents.
- Minimize estate taxes & legal disputes through proper structuring.
- Ensure financial security for future generations.
- Risk Mitigation & Asset Protection:
- Strategies to safeguard assets from lawsuits, creditors, and economic downturns.
✅ Best For: Business owners, families, and individuals with significant assets.
Comprehensive Financial Planning
Holistic Wealth Strategies for a Secure Future
Why It Matters:
- Many individuals receive fragmented financial advice—we bridge the gaps between investments, tax strategy, and estate planning.
- Poor planning can lead to unexpected tax liabilities, insufficient retirement savings, and financial risk exposure.
How We Help:
- Retirement Income Planning:
- Ensure steady, tax-efficient income during retirement.
- Align investment strategies with future financial goals.
- Tax-Efficient Investment Strategies:
- Reduce tax liability on capital gains, Social Security, and estate transfers.
- Optimize 401(k), IRA, and pension withdrawals.
- Comprehensive Risk Management:
- Analyze insurance needs (life, disability, long-term care).
- Protect investments from market volatility and economic downturns.
✅ Best For: Professionals, pre-retirees, high-net-worth individuals, and families seeking long-term financial security.
SETARA – Self-Employed Tax & Retirement Analysis
Tailored Planning for Business Owners & Freelancers
Why It Matters:
- Self-employed individuals often struggle with retirement savings, Social Security contributions, and tax efficiency.
- Mismanagement of tax deductions and Social Security contributions can lead to financial instability.
How We Help:
- Customized Tax & Retirement Strategies:
- Analyze future earnings scenarios and their impact on Social Security.
- Develop tax-efficient strategies to maximize earnings.
- Optimize Social Security contributions for long-term benefits.
- Self-Employment Financial Planning:
- Help freelancers and business owners navigate payroll tax implications.
- Provide guidance on retirement savings options (SEP IRA, Solo 401(k), Defined Benefit Plans).
✅ Best For: Self-employed professionals, freelancers, and small business owners.