Our Services

• Roberts Wealth Management offers a wide range of solutions based on your individual needs.
  We believe ongoing relationships are key to accomplishing long-term financial goals.

• Financial goals vary by individual, depending upon personal situations, family dynamics and life stages.
  Some objectives are more universal, such as creating and preserving wealth or reducing tax burdens. Others have more specific focuses, such as providing for a child’s education, establishing a charitable legacy or maximizing wealth transfer.

• What never wavers, however, is our relentless dedication to developing strategies designed to accomplish your objectives.

• We act as your personal chief financial officer, providing guidance on all areas of your financial life.
  In addition, we coordinate with your other professionals (CPAs, attorneys, insurance agents, etc.) to ensure your total financial strategy will position you to attain your life goals.

• Our simple, FREE, no obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

Investment Planning

• The following two questions can help you establish your level of comfort with your investment decisions and planning:
• How would your lifestyle change if you had a 30 to 50 percent gain in your investment portfolio?
  Most people respond that they might spend or travel a little more or just feel more secure, however, nothing in their lives would dramatically change.

• How would your lifestyle change if you had a 30 to 50 percent loss in your investment portfolio?
  Most people would be devastated, have to move to a smaller home or drop a club membership. The loss would produce a dramatic change in their mindset and lifestyle.

• The latter is the primary reason why families are far more concerned with protecting
  what they have accumulated rather than taking extra risk for the chance of a higher rate of return.

• Our philosophy is that you should take the “least amount of risk to reach your financial goals. ”
  While it sounds simple, this practical advice is often ignored.

• Our simple, FREE, no obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

Asset Protection

• Don't be a "deep pocket" target for a frivolous lawsuit or other threat that could have been avoided with a sound legal asset protection plan. A well-constructed plan allows you to achieve your protection objective and still have control and use of your assets. Asset protection calls for more than just strategic asset allocation. Our portfolios must be defensive in nature and actively respond to risks. We work diligently to protect your portfolio from negative returns early in retirement while making them strong enough to hedge against inflation. While it is true that clients need to protect themselves from the typical creditor, there are many other creditors to take into account, including:
• An injury from someone negligently driving a car

• A patient who sues a physician for malpractice

• Someone who slips and falls on property and sues the owner

Other common creditors clients don’t think of as a typical creditor

• Our simple, FREE, no obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.
• The IRS. Every year, high-income clients pay taxes to this creditor.

• The stock market.
  You know this is the case if you had money invested from 2000 – 2002 when the stock market lost nearly 40 percent of its value and again when the stock market crashed between 2007 and March of 2009 when it lost 59 percent of its value.

• Estate taxes.
  Clients all worry about the estate taxes that will be paid upon their death. Few advisors truly know advanced estate planning and ways to mitigate estate taxes.

• Long-term care (LTC) expenses.
  The number one guaranteed creditor of clients over the age of 65 is LTC expenses (drug costs, home health care, nursing home, surgeries, etc.). It is vitally important for clients to be well-equipped to handle this nearly guaranteed expense.

Real Estate Planning

• Selling property can be very stressful these days. Robert Wealth Management is your ally for ensuring you are making this pivotal choice fully armed with the best information. If you've been thinking about selling any property this year, ask yourself the right questions. Through our simple review process, we will help you get the right answers before you sell, which can make all the difference. Ask yourself:
• How will I be able to afford my next lifestyle choice?

• How can I be sure I'll have enough money, or is it possible I could have even more money, to live on if I make a move?

• Do I have too much risk in other investments and need to delay listing my home?

• What tax issues or concerns should I consider before listing my home for sale?

Or if you own commercial or business property, ask

• Roberts Wealth Management will work with you to answer these and any other questions you may have. Get peace of mind and knowledge that you're doing what's right for you and your family. Our simple, FREE, no obligation 3-Step Review is a great way of helping you to develop a plan to make the best decisions. because you and your family deserve better.
• Are there strategies to lower or eliminate my capital gains tax when I sell?

• Are there investment alternatives that can offer me a similar rate of return as my rental property without high risk?

IRA & 401(k) Rollovers

• When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:
• Leave the money where it is

• Take the cash (and pay income taxes and perhaps a 10 percent federal penalty tax if you are younger than age 59 1/2)

• Transfer the money to another employer plan (if the plan allows)

• Roll the money over into an ira

Comment From Your Cpa Sounds

• If the following comment from your CPA sounds familiar, then your CPA is similar to most clients we talk with: “Put money in your 401(k)/profit sharing plan and pay taxes on the rest. If you want to take home more money, you need to make more money.”
• While most people think it’s a good idea to match contributions to the maximum in your employer-sponsored retirement plan or to contribute funds to a “tax-deferred” qualified retirement plan
  many times, this is not the case. In fact, tax-deductible qualified retirement plans can be more tax-hostile than tax favorable.

• The term “stretch IRA” has become a popular way to refer to an IRA (either traditional or Roth)
  with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death, even over several generations. It’s not a special IRA, and there’s nothing dramatic about this “stretch” language. Any IRA can include stretch provisions, but not all do. The possibilities of the stretch IRA include tax-deferred potential growth, retirement income and legacy planning, making this strategy ideal for many pre-retirees and retirees.

• Roberts Wealth Management can help you determine if a rollover or stretch tactic is the right move for you.

• Our simple, FREE, no obligation 3-Step Review can help you develop a financial plan that matches up with your goals for today and your future.

Income Planning

• Where will your retirement money come from?
  If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

• Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living that inflation pressures can exert requires expert planning.

Which income streams do you have control over?

• Some, like Social Security and pensions, are automatic.

• Others, like distributions from your retirement and investment accounts or annuities
  require specific decisions as to when and how much you should take out.

• Some of your accounts may allow you to take a guaranteed income stream that you can't outlive.

Income Plan concerns

• An Income Plan involves a well thought out plan to evaluate your special needs concerning:
• Risk of your assets

• Needs for liquidity in case of emergencies

• Your peace of mind with the possible changes in your income needs
  from changes in the cost of where you live, to changes in the cost of your health care.

Benefits of Income Plan

• Our simple, FREE, no obligation 3-Step Review is a great way of helping you to determine if your current strategies match up with your plans for today and for your future. Roberts Wealth Management can help you to develop an Income Plan that will ensure your assets can go the distance in retirement. To turn your savings into a secure and reliable income stream, you must strategize when and how to withdraw from your retirement savings. We will work with you to:
• Rollover a 401(k), IRA or other retirement savings plan

• Strategize your Social Security income and/or pensions

• Create an income distribution plan from your savings and investments

• Structure an income stream to last the duration of retirement

• Reduce or eliminate taxes on your retirement income

Financial Planning

• Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, that financial planning is a process, not just another product. Our 3-Step Review considers:
• Current income and expenses

• Current debt obligations

• Asset allocation and investment management

• Risk management/insurance options

• Taxes

• Real Estate

• Retirement planning

• College savings planning

• Estate Planning

• Charitable Planning

• Business Continuation Planning

• Possible Inheritance

Other info of Financial Planning

• A Financial plan is important for laying the groundwork for a strong financial foundation for you and your family. You have worked hard to earn, save and grow your current assets. Your family deserves to enjoy what you have attained with the peace of mind that it will be there for you when you need it. We will meet with you routinely to assure that you are on target to meeting your goals. We will also work with you to adapt your Financial Plan to your changing needs over time. Our simple, FREE, no obligation 3-Step Review is a great way of helping you to develop a Financial Plan that will match up with your plans for today and for your future.
• Set realistic financial and personal goals.

• Assess your current financial health by examining your assets, liabilities, income, insurance, taxes, investments and estate plan.

• Develop a realistic
  comprehensive plan to meet your financial goals by addressing financial weaknesses and building on financial strengths.

Retirement Planning

• Retirement planning is not just for the wealthy.
  Traditional retirement plans move growth-seeking products to more conservative, fixed-income products as retirement nears. This may have worked fine back when retirement planning efforts had to encompass only an expected five to ten years in retirement.

• All too often, retirees are approached by a stock broker, insurance salesmen, banker, or other non-fiduciary to assist them in their retirement.
  These efforts typically boil down to a strategy to make the client money. The retirement plan, therefore, becomes a strategy to make as much money as possible. These so-called retirement plans typically fail to take into account the retiree’s financial goals, challenges and opportunities.

• Each financial product has a place and a specific purpose where it may fit properly into someone's retirement planning
  but without a complete review of your personal situation, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for you. It is the discovery of your true needs and desires that is the first step you should take, not the popularity of products that historically many people have made as their first step.

• Retirement planning these days, however, must encompass a much broader timeframe as people are living longer.
  Thanks to new prescription drugs and medical technology, it’s not unusual for someone retiring in their 60's to live to age 90 or longer. Your retirement planning efforts may need to account for your nest egg lasting potentially 25 to 30 years, or more.

• One drawback to a longer life is the greater possibility of outliving your savings
  creating all the more reason for proper retirement planning, designed to last a longer lifetime.

• Retirement planning today should account for the possibility of a significant loss in the years just prior to and/or just after you retire
  which could have a damaging impact on the level of income you receive over the course of your life. Retirement planning efforts are typically less concerned with a loss occurring earlier in life, as there is the chance that you have more time to recover (versus a significant loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years.

• Roberts Wealth Management can help you design a retirement plan with sustainable income
  incorporating insurance and annuity vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

• Our simple, FREE, no obligation 3-Step Review is a great way of helping you to determine if your current strategies match up with your plans for today and for your future.

Social Security: Find Your Best Filing Strategy

• For most households, there's no retirement resource more important than Social Security.
  Many people believe that once they hit age 62, they should immediately begin receiving social security benefits. Others have been advised to wait as long as possible before drawing distributions.

• Most people are eligible to elect Social Security at any time between age 62 and 70.
  However, most people simply elect Social Security at whatever age they decide to retire, not the age when it will give them the maximum lifetime benefit.

• This has become an even more difficult situation given the recent turbulent market conditions, which may have damaged other retirement savings.
  As you may have guessed, there is no one right answer. There is, however, a right answer for you.

• Making smart decisions about when to file for benefits can make a difference of thousands of dollars during your lifetime
  especially for married couples, who, can take advantage of the program's valuable spousal and survivor benefits. That makes it all the more important for couples to leverage the benefits of the higher earner to benefit the surviving spouse, with strategies such as file-and-suspend.

• Roberts Wealth Management has helped many clients with understanding the options on Social Security Strategies.
  Our simple, FREE, no obligation 3-Step Review is a great way to help you find out more about the Social Security Strategies that can benefit you and your heirs best...because you and your family deserve better.

About Social Security

• As you near retirement, it's likely you'll have many questions about Social Security:
• How much will my retirement benefit be?

• What is the best age to start drawing my benefits and how?

• Will earnings from a part-time job affect my benefit?

• How will those benefits be taxed?

• What are the best strategies if I am married?

• Should I consider a strategy called "file and suspend?"

• How does Social Security income effect my other retirement assets?

Tax and Estate Planning

• Recent tax law changes could be costing you plenty! With careful preparation, you may be able to manage the impact of taxes on your estate plans and other financial efforts. Here's a sampling of the areas to discuss with your accountant and financial representatives to help you take advantage of the new rules while you still have time in this tax year:
• Not all dividends are taxed at the new lower rates. Do you know which assets qualify for the new rule?

• How do the new lower capital gains rates affect you?

• Will you have phantom income that you need to offset by adjusting your investment portfolio now?

• Is there a way to lower your Social Security taxation?

• Is your IRA or qualified plan being penalized and you aren't even aware of it?

• Why have America's wealthiest investors removed their children's names as beneficiaries on their annuity contracts?

We can also provide advice to help you

• Reduce your capital gains taxes and estate taxes

• Stop unwanted required minimum distributions (rmds) while increasing the value of your qualified plan and passing it on to your beneficiaries in both an income tax and estate tax efficient manner

• Remove dollars out of your business while reducing your business income tax

• Determine the most tax- and cost-effective way to pass a business on to family members and/or the management teams
  where the founder receives fair market value for their stock and family members or the management team receive funding needed to make this business purchase.

Other Info

• These questions should be discussed now, as waiting until next year means potentially paying too much tax this year.

• Roberts Wealth Management will work with you and your CPA/tax accountant or recommend a qualified tax specialist.
  We will help you develop plans that are appropriate for your family ... because you and your family deserve better.

• Our simple, FREE, no obligation 3-Step Review is an effective way of learning more about tax planning that can benefit you and your heirs.

Estate Planning

• Provided by the Wealth Preservation Institute. Why an Estate Planning Checkup is Essential. As a general statement, many individuals who earn a good living and/or have amassed wealth, do not have the proper estate or asset protection plan. The following are statistics about the general public:
• One in two will NOT have a simple will

• Five in six will NOT have durable powers of attorney

• Five in six will NOT have marital living trusts

• Nine in 10 will NOT have a family limited partnership

• Seven in eight will NOT have an irrevocable life insurance trust

Other Info of Estate Planning

• Estate planning allows you to make your personal intentions known so your loved ones don’t have to be burdened with making difficult decisions in critical situations.

• Estate planning will also enable you to save as much as possible on taxes
  court costs and attorneys’ fees, while guaranteeing that your property will go to the people you want, in the way you want and when you want. Most importantly, estate planning provides you with peace of mind that your loved ones can celebrate your life without being saddled with unnecessary financial confusion.

• A little planning could go a long way to prevent the government from depleting your estate or your beneficiaries from disagreeing over how your estate is distributed.

• Business owners too often have business
  assets tied up in the probate process and survivor management may not have access to needed cash to keep the business running or the ability to pledge assets for cash flow loans.

• Wills and trusts may only address specific issues and need to be reviewed and updated as your desires and situation change or as laws change that may impact your future plans.

• Roberts Wealth Management’s experienced team will help preserve the assets you have worked hard over the years to build and create the legacy you’ve earned
  because you and your family deserve better.

• We will work with you and your existing attorney or recommend a qualified estate planning attorney or tax specialist that is experienced in these matters.
  We are able to review any wills and trusts you already have in place. Then we will work with you to develop an individualized estate plan and help you implement it.

• Our simple, FREE, no obligation 3-Step Review is an effective way of helping you find out more about estate planning that can benefit you and your heirs.

Consideration

• All estate plans should include consideration of the following:
• A Durable Power of Attorney: this will help manage your property, accounts and estate while you are living should you be unable to do so yourself

• Medical Directives: designed to outline a person’s wishes and preferences in regard to medical treatments and interventions

• A Will: manages the distribution of your estate after your death

• Trusts: will help to avoid probate and manage your estate both while living and after death.
  Also, trusts create privacy that enables your estate to not become public knowledge.

• The Proper Insurance: How much? What type? How should it be titled?

• Stretch Provisions: For your IRA, these can be multigenerational.

• Tax Planning: to reduce estate and gift taxes, as well as fees associated with an estate transition

Tax Deferred Growth

• Millions of Americans are putting their money in all forms of IRAs, annuities and employer
  sponsored retirement plans, both qualified and non-qualified.

• The tax deferral that these plans and accounts offer is hard to beat in many cases
  and the Roth IRA and Roth 401(k) plans that are now available can be particularly effective in sheltering after-tax income. However, there are times when the tax from retirement-plan distributions can be greater than the tax that was realized from unsheltered investments.

• The best answer to each of these questions for any individual retiree depends on an array of factors unique to their situation.

• Roth accounts shield your earnings from immediate taxation and the earnings can even be tax-free if certain requirements are satisfied.

• An annuity can provide you with a tax-deferred way of saving for your retirement.
  Once you’ve retired, an annuity can provide a guaranteed stream of income for as long as you live. It’s like getting a paycheck for the rest of your life; and it can help you maximize your income throughout retirement.

• Unlike most investments, an increase in the value of an annuity from interest is not currently taxable.
  Generally, annuity funds are allowed to grow tax-deferred until they're distributed, at which time the owner will pay ordinary income tax on all gains.

• IRA accounts have become one of the largest types of assets inherited by beneficiaries.
  If you don’t anticipate needing your IRA money in retirement, you may wish to consider a planning strategy to reduce taxes and increase the payout your beneficiaries will receive upon your death.

• A Roth IRA is generally funded using after-tax dollars.
  These after-tax contributions and any earnings growth are exempt from tax upon distribution if the withdrawals are made at least five years after the account is established and after the owner is over age 59½. Original contributions made to the Roth IRA can be removed at any time without penalty. Most other retirement savings plans, such as a Traditional IRA, are funded with pre-tax dollars. These accounts grow tax-deferred, and withdrawals are taxed at the taxpayer’s ordinary income tax rates at the time of distribution.

• Roberts Wealth Management will help you assess your various alternatives for tax
  deferred investments and recommend options to provide smart strategies for future growth ... because you and your family deserve better.

• Our simple, FREE, no obligation 3-Step Review will help you find out more about what options for tax-deferred growth will be best for you and your family.

Other Info of Tax Deferred Growth

• Among the decisions facing investors approaching or already in their retirement years are:
• What types of investments should be placed inside tax-deferred accounts?

• Which to use first, tax-deferred or taxable accounts, for spending and wealth transfer?

• How should the different accounts be allocated?

• How to integrate tax-deferred accounts into their overall estate plans?

Charitable Planning

• “Give until it hurts” may no longer apply.
• Setting up a charitable giving program is similar to buying life insurance.
  If you use the wrong advisor, the chances are significant you will be setting up a plan that is in your advisor’s best interest instead of doing what is best for you and the charity you intend to benefit.

• Direct gifts are only one way of helping your favorite charities.
  Many other alternatives are available. Some allow you to maintain control of your assets and still avoid future tax problems that might have occurred without the charitable planning.

• If you have significant qualified or non-qualified type assets like IRAs, SEPs, 401(k)s or annuities
  as well as capital gains in stocks or business interests, you may be creating significant future tax problems for you and your heirs.

• Discovering these problems today gives you the time to plan properly.
  You may be able to potentially avoid them entirely and significantly enhance the future for yourself, your heirs or your favorite charity.

• Our simple, FREE, no obligation 3-Step Review is an effective way of helping you find out more about how charitable planning can benefit you, your heirs, and those in your local community.

Characteristics

• Would you like to use a wealth building tool with the following characteristics? If so, Roberts Wealth Management can assist you to:
• Increase your discretionary or “spendable” income

• Reduce (or even eliminate)
  income taxes, capital gains taxes, estate taxes

• Provide a tax-free inheritance for your heirs

• Leave a lasting family and social legacy

Life Insurance Planning

• Today’s life insurance policies can be a valuable protective tool with respect to retirement planning, business planning and estate planning.

• As the stages of your life change, so will your life insurance needs.
  Having your existing life insurance policy reviewed is crucial for those in or approaching retirement, as your current life insurance policy may be outdated and/or lacking some valuable living benefits.

• Second-to-die policies allow the executor to handle the estate transition smoothly without having to sell assets at a reduced value due to timing.

• Having an insurance policy will not only supplement any income loss that may interfere with your family’s current quality of life
  it will also pay for any lingering debts and medical bills that could contribute to the financial burden on your family at the time of your death.

• Roberts Wealth Management will review your existing life insurance policies and work with you to develop insurance strategies that meet your family’s objectives
  because you and your family deserve better.

• Our simple, FREE
  no obligation 3-Step Review is an effective way of helping you find out more about how charitable planning can benefit you, your heirs, and those in your local community.

Types Of Policies

• Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiary only if you die within that time period
  You pay the same amount of premium from the first day of the policy until the term ends.

• Permanent insurance, on the other hand, does not need to be renewed.
  A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.

Life insurance products and strategies have evolved to offer

• Long-term care protection, such as assisted living and in-home healthcare expenses

• Strong potential to grow the cash value of your policy

• Policies that act as savings accounts, which allow funds to be withdrawn or borrowed while still retaining the insured value

• An important business planning tool
  designed to protect your business in the event of the death or disability of a key person whose loss could potentially cause the business financial hardship.

• Provide tax-deductible life insurance premiums for the corporation

• Planned donations to your favorite charities or your local church in your name at the time of your death

• Tax-free source of funds to pay for taxes and debts due on death.

Strategies for Business Owners

• Owning your own business can be both challenging and rewarding.
  One common characteristic of being a small business owner is that most of your time is spent on the business. This often means that some important personal financial planning for the owner/executive is often overlooked. Many of these overlooked areas pose significant threats to the survival of the business and the people reliant upon it.

• Our complimentary consultation will serve as a Q&A session so we can assess your current position as well as start to formulate
  a set of resolutions to the challenges you face, whether those challenges are known or unknown at the time of initial consultation.

• Our simple, FREE, no obligation 3-Step Review can help you develop a financial business plan that matches up with your goals for today and your future.

Through our business planning process

• Through our business planning process, we will help you:
• Identify undiscovered risks to your business

• Evaluate your best retirement planning options

• Formulate a business continuation plan

• Address your specific business concerns

High Net Worth Individuals and Families

• Our high net worth management services represent our most comprehensive service offering.

• Roberts Wealth Management works side-by-side with high net worth clients to understand their financial goals and design customized solutions that meet their increasingly complex needs.
  The result is a long-term wealth management strategy for achieving enduring value, and ultimately, a unique and meaningful financial legacy.

• We work closely with respected professionals to protect your wealth from taxes and ensure that it’s used to meet your goals.

• Wealth never comes easily.
  At Roberts Wealth Management, we know what it's worth to you and work diligently to preserve and grow your wealth...because you and your family deserve better.

• Our simple, FREE, no obligation 3-Step Review is an effective way for us to get together and begin a discussion that will introduce some alternative solutions that can meet your financial needs.

Other Info

• Our high net worth service provides specialized resources in complex issues affecting our largest clients, including:
• Handling the impact of significant wealth events (sale of a family business, retirement with significant assets, an inheritance, etc.)

• Complex legacy planning and charitable giving design

• Dealing with concentrated equity positions

• Developing customized portfolios incorporating sophisticated investment strategies

• Seeking maximum returns on large cash portfolios

• Tax minimization strategies

• Asset protection strategies

• Exit strategies for business owners

• Use of trusts for estate planning