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:
RETIREMENT PLANS 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.
HEALTH CARE PLANS
We specialize in finding the most affordable health insurance with the specific benefits our clients prefer. Since the cost of health insurance can escalate dramatically, we search the market for plans that provide the greatest benefits for the lowest cost. We have an innovative alternative plan that allows employers to reduce and manage their healthcare costs over several years.
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.
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.
MEDICARE, MEDICAID, AND MEDICARE SUPPLEMENTS
We clarify in lay terms the benefits and limitations of Medicare and Medicaid. We analyze your Medicare supplement choices to determine which insurance company provides the most cost effective supplement for you.
CLIENT Financial Planning SERVICES
- 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
- Market volatility counseling
- Personal risk profile
- Market exposure analysis
- Long Term Care 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