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We can help you regain control of your financial future. Click HERE to book a phone meeting ASAP! (951) 393-0030

Email: msbilles@hotmail.com

Tax Minimization Strategies

Rising taxes may be a concern for many individuals approaching retirement. It may be important to incorporate tax planning into your financial decisions.

Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, deferring income taxes and providing the potential to earn interest at a faster rate. Tax-exempt accounts, on the other hand, provide future tax benefits as withdrawals at retirement are not subject to taxes. Since contributions into the account are made with after-tax dollars, there is no immediate tax advantage. The primary advantage of this type of structure is that investment returns realized within the tax-exempt accounts grow tax-free.  Tax-deferred and tax-exempt accounts are among the most common available alternatives to facilitate financial freedom during retirement.

Estate Planning

We can refer you to professionals to help meet your individual needs.

Estate planning is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and there may be unintended consequences for your loved ones. We will work closely with your estate planning attorney and other professionals to craft plan that fits your goals.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the estate tax laws and the emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis. 

We will work closely with your estate planning attorney and other professionals to craft plan that fits your goals.

Advisory services are offered through Retirement Investment Advisors, a Registered InvestmentAdvisor in the State of California, Retirement Investment Advisors, a SEC Registered InvestmentAdvisor. Retirement Investment Advisors and Safe and Secure Retirement Insurance Services are notaffiliated with or endorsed by the Social Security Administration or any other government agency.Insurance products and services are offered through Safe and Secure Retirement Insurance Servicesan affiliated company.

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