Mission Statement

Capital Preservation Strategies is committed to helping clients protect and increase their life savings through a series of asset preservation vehicles. It is our mission to help clients aged 35 to 90 avoid the most common financial mistakes, improve their standard of living, stay ahead of inflation, never outlive their income, guard against stock market losses, reduce income tax and estate taxes, and avoid or mitigate the expense of long-term illness. Listening closely to our clients’ desires for their retirement years, we work with them to develop a portrait of their core financial priorities and personalize each financial plan to meet our clients’ needs and fulfill their retirement goals. Crafting individually-tailored accumulation and income plans, we make certain that our clients preserve what they have worked so hard to attain.

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Art Miller, President

Capital Preservation Strategies

Art Miller formed Capital Preservation Strategies in order to address the retirement crisis facing so many near-retirees and retirees today. His mission is to see the world through his client’s eyes so he may understand how to best inform them and work together to design strategies that ensure sufficient inflation-adjusted income for as long as they live.

Financial Guidance

For over 30 years, Art Miller has provided financial guidance to professionals, small business owners, federal employees, those nearing retirement, and retirees, helping them protect their principal and make certain that their savings last. He has counseled clients throughout the Greater Chicago area and around the country on how to increase their income and reduce taxes, avoid probate, and eliminate the risk of depleting assets due to nursing home costs. Mr. Miller serves clients in Alabama, Arkansas, California, Connecticut, Georgia, Illinois, Indiana, Iowa, Massachusetts, Maryland, Minnesota, Missouri, New Jersey, New York, Ohio, Pennsylvania, Texas, Virginia, West Virginia, Wisconsin, and is regularly adding states. Mr. Miller is a member of The Financial Planning Association, The National Association of Insurance and Financial Advisors, and the National Association of Life Underwriters, FFEBA/ Federation of Federal Employee Advocates, ANOFE/American Network of Financial Education. Art Miller is a Federal Retirement Consultant.

Our Financial Planning Services

Capital Preservation Strategies provides personalized retirement, insurance, and estate consulting services for professionals, small business owners, those nearing retirement, and seniors. Our services include analyses of:

401(k)s, 403(b)s, 457s, TSP, IRAs

We evaluate how well-protected your retirement plans and/or IRAs are from depletion by restrictive custodians, probate, taxes, and nursing home expenses. We can help you create a valuable legacy with a multi-generation IRA that avoids lump sum taxation. All of our retirement plans guarantee safety of principal. Each year when the economy is favorable, gains are locked in. During negative years, clients hold on to their gains.

EXECUTIVE DEFERRED COMPENSATION

For executives who want to create tax-free retirement income without IRS contribution restrictions.

PROBATE RISK & ESTATE RISK

We determine whether your assets will be subject to depletion during the process of probate and/or estate settlement. We provide alternatives to probate costs and/or the depletion of your assets by estate taxes. We are happy to refer clients to estate planning and elder care attorneys who are able to assist in a broad range of estate planning issues.

INTEREST EARNINGS

We will conduct an analysis to determine whether you can reduce the taxes that you pay on the interest that you earn but do not spend. We provide individually tailored strategies that will reduce taxes on interest earnings that you do not need for income.

LONG-TERM CARE RISK

We determine whether you have sufficient assets to insure against the risk of extended home and/or nursing home care. We will provide a variety of cost-effective plans to protect your savings and all other assets from being diminished due to long term care expenses.

SOCIAL SECURITY MAXIMIZATION

We determine how you can maximize your Social Security benefits in order to receive the largest benefit and we will analyze whether or not you are able to reduce or eliminate taxes on your Social Security income.

CLIENT FINANCIAL PLANNING SERVICES

PRE-RETIREMENT PLANNING

• Company retirement plan review and analysis
• IRA Rollover Consultation
• Retirement Income Planning
• IRA required minimum distribution consultation

COMPANY BENEFIT PLAN ANALYSIS

• Retirement plan alternatives
• Health care plans
• Funding for Buy-Sell agreements
• Deferred compensation
• Disability insurance
• Life insurance

TRANSITIONAL PLANNING

• Market volatility counseling
• Personal risk profile
• Market exposure analysis
• Long Term Care Planning

ESTATE PLANNING

• Estate tax analysis
• Estate document review
• Estate and Elder Care Attorney Referrals
• Attorney review
• Life insurance review & consultation
• CPA Referrals

FAMILY FINANCIAL SURVIVORSHIP GUIDANCE

• Spousal lifestyle maintenance
• Perpetual beneficiary consultation