Our firm is fluent in retirement income strategies. However, we discuss all areas of protection, savings, and growth potential, taking into account your entire financial picture to help ensure you make the right decisions about your financial future. Our services include:
A robust retirement income plan is one that includes Social Security, RMDs, life insurance, pensions, annuities, optional income for life, tax minimization, long-term care, and more. We combine all of these into a comprehensive, actionable plan that gives you a road map for your retirement.
With today’s ever-changing markets, it’s important to stay on top of your portfolio. We know many people don’t have the time to manage their investments, which is where we can help. We offer an array of investment management strategies and tools to help you create a portfolio that matches up with your personal financial goals and objectives.
It’s been said to not place all your eggs in one basket. The same can be said of your financial portfolio. We’ve experienced an unprecedented bull market over the last few years, but are you prepared for that bull to become a bear? Our objective is to utilize investments that are a proper fit for each individual investor rather than a one-size-fits-all, traditional approach used by many others in the industry.
If you are close to or in retirement, exploring your investment options for less-volatile means of growth might benefit your financial portfolio.
Our firm understands the value of positioning assets in low-volatility environments that seek to generate higher returns with less market risk. This concept is known as alpha (α) and is a fundamental part of our philosophy with the goal of helping generate solid returns with substantially less risk.
Everyone needs a strategy to maximize Social Security benefits. Many don’t have one, and there is much to consider. Whether it’s reducing taxes on Social Security, suspending, deferring, or recalculating, Abich Financial can help you put together a Social Security action plan to help you maximize your benefits.
What are RMDs, and when are they required? How is the amount of an RMD calculated? How will RMDs affect your overall income plan in retirement, and how can you plan for retirement withdrawals from your nest egg? We can help you with an RMD strategy so that you can safely withdraw them and use the funds however you wish.
When you come in for tax planning, we create a personalized tax map for you. The new tax plan could mean new tax strategies. As important as it is to be investment-diversified, we believe it is equally important to be tax-diversified. Our team helps our clients determine whether it makes sense to strategically withdraw pre-taxable retirement dollars now and convert them into Roth IRAs and other after-tax vehicles so that you can potentially pay less tax now instead of more down the road.
Tax and/or legal advice is not offered by Abich Financial Services or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.