FUTURE TAX PLANNING

Most people know that they should accumulate savings for retirement, but they may not know where to put their savings to achieve optimal results.  We offer future tax planning as part of a more comprehensive retirement plan that keeps our clients from paying unnecessary taxes.  This service adds value because no financial plan should be based on values that do not take into consideration the cost of future taxes.  Knowing what order to spend accounts to decrease future taxes leaves more left over.

IRA/401k ROLLOVERS

If your IRA or 401k is not handled properly, it might benefit the IRS more than it should.  You have spent a lot of years saving your money.  We want to make sure that the government does not receive the fruit of your hard work.  At RidgeBrooke  we specialize in planning for your retirement and this includes reviewing your 401k and all other qualified plans.  Rolling over your qualified plan to another qualified plan allows your money to continue growing tax-deferred until you begin receiving distributions. We can help you decide  if a rollover is the right for you.

INSURANCE SERVICES

Retirement planning involves more than just making sure that there is enough income to last throughout your remaining years.  As part of our full spectrum planning, RidgeBrooke offers services to meet your insurance needs as well.  We help our clients understand Medicare and how different Medicare options can meet their needs.

SOCIAL SECURITY MAXIMIZATION

Let’s face it. For some, retirement is full of reward, but for some it contains regret.  Nothing has the potential to cause more satisfaction or anxiety in your retirement years than your income stream. Getting this part of your planning right is crucial. 

In your working years prior to retirement, your financial life was dictated by an earning and saving paradigm.  After retirement, however, you will no longer be earning a paycheck you can save, which means you will need to generate an income through other sources.  Having a retirement savings is not the same thing as having retirement income.  Retirement income is created by strategically using those savings to ensure adequate funding throughout your retirement.     

One primary component of income for most clients is their Social Security benefit. There are several different ways to access this crucial component of your income and can greatly effect the amount of your benefits you receive over your lifetime.   

We can help you define your retirement goals and evaluate your current financial state.  In addition, we can help you design a retirement plan capable of generating the income you need.

Play the video to learn more.

FINANCIAL PLANNING FOR WOMEN

Today more women are educated and financially empowered than any past generation, however, with more and more women responsible for handling family finances, many do not feel adequately prepared for retirement.  Financially, women struggle with different fears and frustrations than men do.  Women desire clarity concerning their financial strategies and look for an advisor who will listen to their goals and concerns.

Securing a guaranteed income in retirement is the number one concern for women today.  Our services help to empower women to succeed and prosper by first offering our ear to hear what their concerns are, and then shaping a plan that surrounds their needs.  Click on the video to see how we can help you.

It is important to feel you have control over your future. At RidgeBrooke, we offer our experience and knowledge to help you design your own strategy for financial independence.

LEGACY PLANNING

Are you planning to pass on a significant portion of your wealth to your family?  Without proper planning, your happiest heir could turn out to be the IRS.

Contact us today to schedule a complimentary introductory meeting! Call us at (931) 526-8515.