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Our Difference

Helping You Achieve a sense of well being through wealth management and life planning.

Investments

Investments

Investing can be a daunting task, and choosing the right strategy is crucial. With a keen understanding of the ongoing market volatility and the ever- increasing life expectancy of investors, we have developed investment strategies to build a solid foundation for long-term success. Our customized plans and disciplined investment approach are designed to last beyond our client’s lifetime. While there are many moving parts to choosing an appropriate investment strategy, we believe in four fundamental elements that are consistent in every portfolio for all clients.

Estate Planning

Estate Planning

An estate plan is woven into the fabric of every comprehensive financial plan. It is important to ensure your wishes are carried out through proper legal documents to stating who should be your heirs, when they should receive the inheritance and what they should receive. We believe that estate planning and wealth preservation are best achieved through a collaborative team effort that includes estate planning attorneys, accountants, and financial advisors. Working closely with our clients, we meet both their basic and advanced estate planning needs through our efficient and effective process.

Risk Management

Risk Management

Risk comes in many forms:

  • an untimely death
  • a disability
  • long-term care needs

These risks can have a major impact on the financial picture of a family or business. Risk management is the foundation of sound financial planning.

We will thoroughly analyze your life insurance, disability coverage, and your long-term care needs. Insurance should not be considered an investment, rather, a valuable tool that provides protection.

Life Planning

Life Planning

We strongly believe in the value of family involvement in certain aspects of planning. Our advisors have the experience to address the unique challenges that come with the ageing process in creating a plan. Today’s retirees are living 20+ years beyond their retirement age. That's a lot of time to enjoy travel, hobbies, and discover new passions. This also means preparing for the inevitable changes that lie ahead. Planning entails considerations like healthcare costs, caregiving and a holistic approach that considers the entire family's needs.

Tax Planning

Tax Planning

Tax efficiency is an important aspect of successful financial planning. It can be achieved by a combination of tax deductible, tax deferred and tax-free strategies. Several considerations are factored into an effective tax planning strategy.

  • Earned income and tax bracket.
  • Retirement Investments versus after tax investment
  • Investment strategies during accumulation phase and distribution phase
  • Types of investments in non-retirement investments
  • Income needs during retirement.
  • Charitable gifting strategies

All segments of the financial plan benefit from a strong tax efficient plan. Our advisors collaborate with our client’s tax professionals to achieve the tax savings goal for our clients.

Retirement Planning

Retirement Planning

Defining financial security during retirement means freedom to spend time with family, travel the world, volunteer, or start a new hobby without the stress of income or assets.

Retirement planning today requires preparation for 20 or more years of a post-work lifestyle. Our advisors use their experience and expertise in designing your income and investment strategies while addressing these critical factors.

  • Merging life goals into financial reality
  • Maintaining your standard of living
  • Managing rising healthcare costs
  • Ensuring that your income lasts your lifetime.

These are just a few of many factors that are considered in creating a
customized plan as you plan for retirement.

Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation.

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