Taxes

• Tax Planning
  The scope of an effective financial plan should therefore cover key aspects such as Saving, Budgeting, Investing, Tax planning, Insurance planning, Retirement planning, Estate planning, and much more.
• Avoiding Probate
  A trust is a form of ownership that is set up by the estate owner to receive and hold title of the assets prior to their distribution to the heirs. A trustee is designated to manage the trust in accordance with its provisions. There are several different kinds of trusts, each designed to serve a specific purpose such as to avoid probate, minimize estate taxes, or manage the assets of the estate.
• Roth IRA
  Individual Retirement Accounts (IRA) are tax qualified retirement plans that were established as way for individuals to save for retirement with the benefit of tax favored treatment. The traditional IRA allows for contributions to be made on a tax deductible basis and to accumulate without current taxation of earnings inside the account. Distributions from a traditional IRA are taxable. A Roth IRA is different in that the contributions are not tax deductible, however, the earnings growth is not currently taxable. To qualify for tax-free and penalty-free withdrawals of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take plane after age 59 1/2 or due to death, disability, or a first-time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes..

Investment

• Investment Management
  While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. Would the 2-hours we have best be spent visiting a friend at the hospital, or would it be better invested, say, by taking in that ball game? We do some longer-term planning too: Does it pay to invest the effort studying for a degree in Arts, or would we get a better return studying to pass the Bar exam?
• Wealth Management
  & W Wealth Management, our mission is to offer independent and objective wealth strategies to individuals, families, and businesses. We specialize in creating customized income strategies tailored to each client’s financial goals.

Accounting

• Accounting Services

Planning

• Financial Planning
  Many individuals confuse financial planning with general savings and investing advice. While how to save (and how much!), and where and when to invest those savings, is every bit important, prudent Financial Planning goes much beyond the realm of just saving and investing. The sooner you understand the role of financial planning in meeting your short, medium and long-term financial aspirations, the better you’ll be able to control your financial destiny.
• Retirement Planning
  Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.
• Annuities
  Charles Bourgeois has over 30 years’ experience in the financial services industry in Colorado. He maintains his Series 6, 7 and 63 securities registrations with LPL Financial and is licensed for securities, life insurance and annuities.
• Long Term Care
  Longer life spans can also translate into more health issues that arise in the process of aging. The federal government provides a safety net in the form of Medicare, however, it may not provide the coverage needed especially in chronic illness cases. Planning for long-term care, in the event of a serious disability or chronic illness, is becoming a key element of retirement plans today.
• Asset Management
  Securities, Asset Management and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA / SIPC