Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. Here at Coastal Financial Advisors we put together a customized financial plan for you out to age 100, so you can have piece of mind and enjoy your years of retirement. Tax efficiency is essential throughout the planning process.
As a Series 65 licensed advisor our fiduciary responsibility is to always do what is in your best interest. We review all aspects of your current scenario and analyze your financial assets to help establish true risk and fee expense. Our planning process is rigorous. Next is a recommendation of a Success Plan that is specific to your scenario. You will find full transparency and integrity throughout your experience with Coastal Financial Advisors. We then work with our RIA, Foundations Investment Advisors and our portfolio managers to find the best investment solutions.
Planning for the transfer of assets at death is a critical element of retirement planning especially if there are survivors who are dependent upon the assets for their financial security. Larger estates may be confronted with settlement costs and sizable death taxes which could force liquidation if the proper planning is not done.
Implementing the proper strategies to reduce taxes can make a difference of hundreds of thousands of dollars in savings which means more income for distribution. A proper financial plan should not only include asset management but tax efficient strategies to manage down the tax exposure of the client portfolio.
Most employer-sponsored plans today are established as "defined contribution" plans whereby an employee contributes a percentage of his earnings into an account that will accumulate until retirement. Knowing when to withdraw and how to manage RMD's are important in planning for retirement.
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