- Tax Planning
- Estate Taxes
- Tax Services
- Roth IRASuccessful retirement planning is an ongoing process. It begins with identifying the income needed in retirement and projecting the level of assets that is needed to generate this income. Projections are revisited periodically, and plans are adjusted for changing circumstances. In planning for retirement, we have the expertise to guide our clients in deciding on health care coverage, evaluating long-term care insurance, analyzing pension options, including IRA distributions and Roth IRA conversions, electing the appropriate social security options and addressing all of the many other issues that one must consider before retiring and during retirement.
- Income Tax
- Investment ManagementInvestment Management: We recognize that allocation among investment categories determines a lot of a portfolio's returns and certainly its volatility. Nonetheless, we also believe that sometimes certain investment categories may be over or undervalued and that we can increase returns by taking advantage of these situations. We do not attempt to time the markets. Instead, we continuously monitor the financial markets and adjust our clients' investments in order to take advantage of changing market conditions.
- Mutual FundsWorking closely with our clients, we design an investment portfolio that will provide the income needed in retirement. Every retirement portfolio is unique and is tailored specifically to the needs of the individual client. It typically includes a significant amount of fixed income, equity mutual funds and other investments that provide the best expected return for an appropriate level of risk. Diversification among investment categories is the key to lowering the volatility retirees need to avoid.
- Bonds
- Wealth ManagementWe nurture long-term relationships with a limited number of clients, and we work closely and continually with them. Our personal touch sets us apart. Although we are not a large organization, we have the experience and the expertise to provide the highest quality wealth management. Working as a team allows our clients to benefit from the diverse backgrounds of our advisors.
- Accounting Services
- Payroll Services
- Financial PlanningFee-Only financial planning and investment advisory services are offered through Capital Financial Advisors of New York, LLC, a registered investment advisory firm located at 10 Maxwell Drive, Suite 104B, Clifton Park in the Capital District of Upstate New York. The presence of this web site on the internet shall in no direct way be construed as a solicitation to offer such services to residents of any other states where not legally permitted. We are legally empowered to provide investment advisory services to residents of the state of New York and certain other states.
- Retirement PlanningRetirement can be deeply rewarding — and maybe even a little bit better — when we look out for the landmines and we know how to avoid them. Whether you’re just getting started with retirement planning or it’s time to revisit the numbers, the truth is that it’s complicated and we don’t have to do it alone.
- AnnuitiesWe carefully manage our clients’ investments so that they have what they need for a satisfying retirement. Although immediate annuities are sometimes appropriate, we do not restrict our client’s flexibility by selling them annuities or other insurance products. Safe returns can be provided without tying up funds in insurance products that have opaque fee structures and surrender charges that restrict clients' access to their own funds. Our firm has extensive experience in structuring investments to provide the income needed in retirement.
- Long Term CareWhat will your future medical care look like and cost? At what point would you need live-in care or long-term care (LTC) facilities?
- Asset Management*This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Copyright 2024 Advisor Websites.
- Asset Protection<span class="field-wrapper">Asset Protection: 5 Things You Probably Haven't Considered</span> <span class="field-wrapper"><span lang="" about="/user/43" typeof="schema:Person" property="schema:name" datatype="">Kerry Mayo</span></span> <span class="field-wrapper">Mon, 12/18/2017 - 09:09</span>