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Our financial advisors help you create a financial plan to enjoy the retirement you deserve.
Cash Flow Analysis
Our retirement planners begin every relationship by making sure we have a clear understanding of your goals to create the foundation for your custom financial plan.
Retirement Planning & Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years. An array of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and to whom to turn for assistance.
The complex tax and legislative environment surrounding retirement planning only compounds the confusion. With qualified plans, such as IRA, pension, profit sharing, and 401(k) plans, the timing and amount of withdrawals are critical to avoid additional tax penalties. And if you have accumulated significant qualified plan assets, you may face additional problems, such as the “Double Tax Dilemma,” where the government can tax these assets twice.
To guide you through the complexity of retirement planning, our team is dedicated to help you:
• Develop customized short- and long-term investment strategies based on your personal objectives, risk tolerance, time frame for accumulation, and current financial situation. • Work to preserve and grow your net worth through investment opportunities and proper allocation and diversification of assets. • Provide you with access to select investment vehicles, including those that offer tax-deferred accumulation and potential tax-free distributions.
We are prepared to deliver sophisticated individual and corporate solutions to help you reach your unique goals and needs for retirement.
With the variety of options, the complexities of different plans, and the uncertainties of longevity and inflation, retirement may seem like more of a burden than a joy. Through Kanani Advisory Group’s dynamic and holistic approach, we can offer consistency and confidence to our clients through every stage of retirement planning. In the first stage (the accumulation or contribution phase), we offer asset allocation and tax strategies to assure that our clients reach their retirement goals. In the second stage (the distribution or income phase), we offer budgetary and income strategies to track and adapt the retirement plan, This process helps ensure that our clients will not only make it to retirement, but through retirement as well.
KAG 3-STEP RETIREMENT PLANNING REVIEW
The 3-Step Review can help assure you that your retirement income and investment plans are focused on your concerns and desires.
The first step of our complete look-forward review of your tax return is to determine your current tax situation. We’ll identify things like phantom income, insufficient uses of taxable and tax-deferral strategies, as well as detect missed opportunities for offsetting gains and losses. This could be as simple as selling a losing stock to offset a capital gain on a mutual fund that you may have missed by waiting until it was too late. Our 3-Step Review can help you improve your strategy to lower your taxes.
The second step is an income analysis to determine if you are using your income sources suitably and in the most tax-efficient method. We’ll also determine if you have adequate income to meet your future needs and the ever-increasing cost of inflation. This may be different than general economic inflation rates as each person’s rate is different based on how you spend your money.
The third step is a risk analysis to make sure your investment risk exposure is one you are comfortable with and is in line with your asset allocation strategies. Research shows that people may make poor decisions, receive lower rates or incur more losses when they have more risk than that with which they are comfortable. A simple set of questions we use in our 3-Step Review will help assure you of what your risk comfort level is and help you avoid losses you are not prepared to handle or of which you were not aware.
LOOK FORWARD AND TAKE CONTROL WITH A 3-STEP REVIEW. A COMPLETE EXPLORATION OF WHAT YOU WANT YOUR MONEY TO DO FOR YOU IS A VERY IMPORTANT STEP.
The benefit of our 3-Step Review process is that it can apply to any financial decision or concern you have; it helps you to be more confident that the financial decisions you make are right for you. You will learn what questions to ask before making any financial decision and identify ways to assure your decisions are in your best interest. Our 3-Step Review will also help determine what your next steps should be or what other areas need reviews, such as your estate plan, long-term care issues, charitable planning, and more.
We can also refer you to professionals who provide the following services: