Financial Planning

We understand the unique needs and challenges investors face who are retired or about to retire. Understanding how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first are important to understand during retirement planning.

Through comprehensive planning, we can assist you with retirement plans and strategies like 401(k)/IRA rollovers, retirement income planning, and traditional and Roth IRAs. No strategy assures success or protects against loss but we can help you prioritize your goals and develop a strategy that seeks to reserve and grow your retirement assets.

Most financial decisions have tax ramifications and can take a toll on your wealth. We can help coordinate the various aspects of your financial plan seeking to maximize tax-efficient strategies in line with pursuing your overall financial goals. To ensure that your tax planning needs are fully addressed, we are happy to work with your CPA or other tax professionals, or refer you to professionals we work with on a regular basis.

Tax services are not offered by LPL Financial or Miller Financial Group.

Protecting yourself, your loved ones, your home or your business against unexpected events is fundamental aspect of wealth planning. Integrating risk analysis into planning process helps us methodically evaluate all potential risk factors to create a comprehensive plan. We understand that life insurance, disability insurance, and long-term care insurance are necessary for building wealth. After careful analysis of your situation and goals, we can help you obtain insurance coverage that meets your needs.

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices. Guarantees are based on the claims paying ability of the issuing company.

Whether you’re paying tuition costs now or saving for a future goal, it’s important to determine if your education strategy is compatible with managing your retirement income and related financial objectives. While education expenses can be funded through borrowing, retirement expenses cannot. 529 College Savings plans can be a good choice for many families looking to allocate funds for education expenses on a tax-deferred basis.

As independent advisors, there is no pressure to recommend specific education savings programs or proprietary products of any type. Our only concern is which program best meets your needs.

Preserving wealth from one generation to the next can be complex and time consuming. We have helped generations of families develop wealth transfer strategies that seek to reduce estate taxes while pursuing specific legacy and charitable giving goals. We can help you articulate your estate planning goals and will work closely with your tax and legal advisors to help ensure your financial strategy reflects your estate planning needs. Whether you use a trust* or other methods for managing your long-term estate planning goals, we can assist you in navigating today’s complex estate planning landscape.

*LPL Financial Representatives offer access to trust services through The Private Trust Company N.A., an affiliate of LPL Financial.

Tax and legal services are not offered by LPL Financial or Miller Financial Group.

Trust services are available through The Private Trust Company, N.A., (PTC) an affiliate of LPL Financial. The Private Trust Company, N.A., serves as trustee, co-trustee, or agent for the trustee while specializing in delegating investment management to financial advisors. This model allows our clients to utilize The Private Trust Company to provide professional trust administrative services while we provide investment management services.

PTC serves in an administrative corporate trustee role, providing all record keeping, accounting and tax preparation; also, PTC ensures that trusts are managed and distributions occur according to the terms of the trust document. Licensed in all 50 states under its 1995 national banking charter, the bank does not engage in any lending or deposit taking, therefore specializing solely in providing fiduciary services.

With the help of The Private Trust Company, we can assist you with various trusts and other needs.