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Retirement Planning
Since retirement is a goal that virtually all of us share, it should come as no surprise that retirement planning is our most common type of financial planning. Regardless of whether you’re decades away from retirement, approaching retirement, or already retired, we can help you find answers to all of your questions (e.g., Do I need to save more money? Will I be able to maintain my present standard of living? Will I be able to retire early? How long will my money last? Do I need to invest more aggressively or conservatively?).
Whether you’re a business owner and need help figuring out which of the many types of retirement plans is best for you and/or your employees, or you work for someone else and need help understanding the choices available through your employer (401k, pension, deferred compensation, employee stock purchase plans, etc.), we can help you determine the best strategies for achieving and maintaining your retirement goals.
Education Planning
As a goal, education is second only to retirement in terms of how frequently it’s included among clients’ goals and, when it does appear, it’s not unheard of for it to be even higher priority than retirement. We can help you determine the best methods of ensuring that you’ll be able to provide your family with the education you want for them.
Insurance Planning
We provide advice on many types of insurance coverage including but not limited to life insurance, disability income, long-term care and health insurance.
Tax Planning
The vast majority of financial decisions are effected by taxes, so we take taxes into account in our portfolio management, retirement planning, education planning, insurance planning, estate planning and philanthropic planning. While we do not prepare tax returns, we work with our clients' CPA's to recommend strategies that will protect and grow wealth rather than lose it to federal and state taxes.
Business Planning
As a small business, it’s easy for us to relate to the needs of entrepreneurs and business owners. Our advice to our self-employed clients may include all the other types of planning listed here plus business succession issues, key-person insurance, employee benefits and retirement plans, and managing business assets (e.g., cash and securities accounts and retirement plans).
Real Estate Planning
Real estate is an important part of a well-designed investment portfolio, particularly for its diversification value. We advise our clients on a variety real estate holdings (individual REITS, partnerships, or direct ownership) and on many other aspects of real estate and real estate investments (e.g., personal mortgage debt, refinancing analysis, second home purchases, tax-deferred (1031) exchanges, etc.).
Estate Planning
In addition to our portfolio management capabilities for trusts, we help analyze and recommend the most appropriate strategies for estate planning (in conjunction with our experts and attorneys). At Sierra Wealth Group, LLC, we make sure that our clients’ personal goals and values are at the core of any estate plan.
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