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Financial Services

If you are unsure of how to manage your money and valuable assets most effectively, there are a range of financial services that you can rely on to ensure that your finances are properly governed. There are five core steps to properly securing your assets; income planning, investment planning, tax planning, healthcare planning, and legacy planning. Each of these key services can help financial stress as you grow older, allowing you to focus your attention on enjoying your time. 

If you are interested in pursuing these financial services, you should understand how they work. Here are the five steps of securing your future through financial services.

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CONFIDENCE IN RETIREMENT ANALYSIS™
  • STEP #1

Income Planning

As you grow older, it is important to understand how your income will change over time. Although you may be working now, once you retire, the way you receive income may change drastically. Income planning services allow you to assess your financial situation and come up with a realistic idea of how your retirement income will look. There are many questions we can ask to help you plan, including:

  • Will you be receiving a pension from your employer?
  • Have you contributed to any retirement savings plans?
  • Do you have a diversified portfolio of investments to rely on for income in the future?
  • STEP #2

Investment Planning

Once you understand how your income will function in the long term, you can begin thinking about distributing your remaining assets. After deducting the income that you will be drawing from to cover month to month expenses, you may have additional income that you can use to invest in assets that will help your money to grow. Making investments without an informed strategy can be risky. That is why it is important to leverage investment planning services to build a well-balanced portfolio. 

Download our Guide for Designing Your Fiscal House to Weather the Elements Now!
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  • STEP #3

Tax Planning

Taxes may currently eat up a significant portion of your annual income and will continue to do so if you don’t plan to stop it. If you hope to decrease your tax spending over time, tax planning is a great place to start. By participating in tax planning services, you can discover areas of the tax system that you are overpaying. In doing so, you can develop a strategy to help your tax liabilities during retirement. 

  • STEP #4

Health Care Planning

Many retirees experience a significant rise in health care costs as they grow older. Planning for how to manage these expenses is important to ensure a financially comfortable retirement. Healthcare planning services can help you understand how to deal with common issues, such as losing your job-based health plan once you retire. Taking the time to prepare before you retire will allow you to enter retirement with full confidence that your health care needs will be fully taken care of.

  • STEP #5
Legacy Planning

Estate plans are a definitive plan for how your assets will be distributed after your passing. This will ensure that your beneficiaries are properly taken care of. While this is important, legacy planning services go beyond just choosing to help you identify who will receive your assets. The legacy planning process also allows you to determine how to transfer your assets to your loved ones with the lowest tax cost. 

To learn more about how you can get started with these essential financial services before you retire, contact the experts at Grutz Financial.

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Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Grutz Financial are not affiliated companies. Any and all other services referenced are an outside business activity not offered through or supervised by AE Wealth Management. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Any references to protection benefits, safety, security,  or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured. The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. Our firm is not affiliated with the U.S. government or the federal Medicare program. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. The firm is not affiliated with the U.S. government or the federal Medicare program. 759187 – 11/20 Privacy Policy | Terms of Use

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