Sapers & Wallack
Services
For Businesses
- Overview
- Business Continuation Planning
- Charitable Concepts
- Executive Benefits
- Group Benefits
- Insurance
- Investment Advisory
- Retirement Plans
For Individuals
For Individuals
Retirement Planning
Due to the challenges created by federal regulations, careful planning is required when designing a strategy that includes significant retirement assets. As a member of your family approaches age 70 ½ – the mandated Required Beginning Date – he or she is faced with critical tax, financial and personal decisions regarding his/her retirement wealth. These decisions may be irrevocable, affecting the flow of wealth distribution throughout his or her lifetime, as well as the ultimate taxation of these assets upon their death.
Our professionals provide the strategic guidance so you can take control of your future. – Although restrictive in some areas, fully understanding the tax laws surrounding retirement plans can also provide opportunities to maximize the amount of assets you and your family can preserve. Discover how you can benefit from the insight offered before you implement a strategy.
- How and when will your assets be subject to income and estate taxes?
- What are the financial and tax implications of relocating to another state after you retire?
- How will life expectancy assumptions affect the formula used to determine minimum required distributions?
- What is the impact of your retirement distribution strategy on your estate plan?
- Where is the best place to take money from first?
In addition to the planning, our advisors’ deep knowledge of financial products helps balance the desire of steady income with opportunity for growth to keep up with inflation or other financial needs.
Product offerings include:
- Charitable Income Programs
- Deferred Annuities
- Immediate Annuities
- Income driven portfolio strategies
- Generation Skipping Strategies
- Tax focused investment managers
- Terminal Funded Annuities
- Variable Life Insurance