Our Financial Planning Services
Capital Preservation Strategies provides personalized retirement, insurance, and estate consulting services for federal employees, professionals, small business owners, those nearing retirement, and seniors. We work with client all over the country, including Alabama, California, Connecticut, Illinois, Iowa, Indiana, Minnesota, Michigan, Missouri, Massachusetts, New York, New Jersey, Pennsylvania, Texas, Virginia, Wisconsin. Our services include analyses of your : 401(k), 403(b), 457, TSP, and IRA.
RETIREMENT PLANS: 401(k)s, 403(b)s, 457s, TSPs, IRAs
We evaluate how well-protected your retirement plans are from depletion by market risk, restrictive custodians, probate, taxes, and nursing home expenses. We make certain that you make no mistakes or incur tax penalties by violating the SECURE & OBBA Act rules. 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. We can determine whether or not a Roth Conversion is the correct strategy for you.
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. 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
- 401(k), 403(b), 457, TSP, IRA Rollover Consultation
- Retirement Income Planning
- 401(k), 403(b), 457, TSP, IRA required minimum distribution consultation
COMPANY BENEFIT PLAN ANALYSIS
- Retirement plan alternatives
- 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