Tax & Benefit Strategies for Small Business Owners

For 20 years I helped people save for retirement. Over the past 10, I have helped them create tax-efficient retirement income plans. Honestly, it has required me to rethink how to create income in retirement. Most of what I was taught initially was from an investment viewpoint, but when I focused on distribution instead of accumulation I realized that it is a completely different mindset. This philosophy has evolved over the past 10 years as I have attended conferences specifically created to objectively look at what people need in retirement. The bottom line is that most people need a plan, not a portfolio. It is looking at all the factors that can impact retirement income and minimize the risk associated with each. I do not manage money, as I feel that it is not my strength. I am a specialist in minimizing taxes and maximizing income. I make sure that Long-Term Care is a part of every plan and if there will be excess assets at death that they are passed along as tax efficiently as possible. As a CERTIFIED FINANCIAL PLANNER TM practitioner, I am required to be a fiduciary and that simply means I put my client's interest first. I believe in education and that is why I provide both live and recorded education to help people understand some of the concepts that may not be familiar to them. I always provide advice in conjunction with a plan that shows the impact of each and every decision. I speak at national conferences and provide education to other financial professionals on topics such as Social Security and Tax Efficient retirement planning. My goal is to help people get the most out of the retirement assets they have spent a lifetime saving.