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Financial planning is not a one time event, it’s a
process. We know that helping our clients with their financial needs means
keeping abreast of the changes in their lives—coordinating their financial
planning from education savings and IRA investments to retirement and estate
planning. We believe in developing a personal financial plan with the
flexibility to accommodate changes as they occur.
We are also independently owned and operated which
means we work for our clients, not for insurance or investment companies. We
don’t have any sales quotas to fulfill either. This way you can rest assured
knowing that you are truly receiving objective advice that’s in your best
interest.
Financial
planning
Get started with a personal financial review –
Your goals are unique to your situation. Our
personal financial review will provide the
foundation for your plans and help chart
progress toward your goals. The review is
customized to address your needs and includes
some or all of the following components:
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Balance Sheet and Asset Allocation
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Income Tax and Cash Flow Analysis
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Retirement Forecasting
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Estate Planning
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Retirement
planning
If you’re thinking about retiring now or within
the next few years, you may have some important
decisions to make about the retirement benefits
you receive from your company. And if you’re
like most people, you will be depending on
Social Security as part of your estimated
retirement income, and probably have some
questions about
your retirement earnings projections. Some
people are able to give themselves a raise when
they retire; in other words, they may receive
more in interest, dividends and other gains from
their retirement benefits and other assets than
they were being paid. With some careful and
timely planning, you may be able to give
yourself a raise, too. In a short meeting,
we can discuss the options you may have. In our
session, we can go over how you may be able to
potentially replace your current paycheck and prepare for a
more enjoyable retirement. As always, there is
no cost to get together and review your
situation. |
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Products & Investments
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IRAs
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Stocks |
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Bonds
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Mutual Funds |
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Life Insurance
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Annuities |
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Unit Investment Trusts (UITs)
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Limited Partnerships
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Real Estate Investment
Trusts (REITs)
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Exchange Traded Funds (ETFs)
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Structured Products |
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Estate
Planning
Family
Estate Planning is no longer for the rich and
famous alone. It is for anyone who wishes to
control the distribution of assets, name the
guardian of dependents, and reduce the tax
burden to heirs. Attorney’s fees will be
incurred in the short run, but the cost of
savings and peace of mind in the long run can be
well worth it. Failure to plan can create
conflict among family members and incur
unnecessary expenses for your heirs. Estate
taxes alone can run nearly half of what you want
to leave them. |
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How
Much Will You Leave to Uncle Sam?
Many Americans unknowingly make Uncle Sam the largest heir to their estates.
Without proper planning, gift and estate taxes can consume as much as 55 percent
of their assets. And that’s before probate, state tax, and other final expenses.
In fact, federal estate and
income taxes can take up to
$700,000 out of a $1,000,000 IRA
or annuity.
* According to the IRS
instructions for filing IRS forms 706 & 1041. |
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Tax
Planning
Taxes may be due just once a year, but the events
that generate taxes are ongoing. And even
though that deadline may seam far away, we can
help you be better prepared at tax time.
While Crockett Financial Services is not a tax
or legal advisor, we can work with you and your
other professional advisors to identify the
course of action that makes the most sense for
you.
Investment Planning
In the financial world, the Dow rises, the
Dow falls, and then rises again. But even a
volatile market is filled with
opportunity—if you have the right investment
strategy. Investment planning is more than
merely opening a brokerage account and
investing in a few stocks, bonds and mutual
funds. We work closely with you to determine
which investment choices fit into your
overall financial plan. So even if the
market is uncertain, your strategy isn’t.
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