Taxes

• Tax Planning
  Rising taxes may be a concern for many individuals approaching retirement. It may be important to incorporate tax planning into your financial decisions.
• Charitable Giving
  In addition, we can refer you to professionals who provide the following services: Trusts, Probate, Charitable Giving, Estate Planning, Tax Planning , IRA Legacy Plannning.
• Estate Taxes
• Avoiding Probate
  There are many different types of trusts and they can be complex to set up and execute. However, a trust can be a very flexible and advantageous means to transfer your assets in the future. Most trusts can also provide current benefits, such as tax deferral and deductions. Unlike a will, a trust may help avoid probate upon your death. To learn more about trusts and how they may benefit you, we will be happy to help you consult a qualified estate planning attorney who can assist you with these issues.
• Tax Deductions
  Creating a charitable gift-giving plan may provide you with multiple tax breaks: an income tax deduction, the avoidance of capital gains on highly appreciated assets and the reduction or elimination of estate taxes on the charitable contribution upon your death.
• Income Tax
  Insurance products only allow you to defer paying them until retirement — when you may be in a lower tax bracket. Investing in or purchasing a tax-deferred vehicle means your money can compound interest for years, free from income taxes, potentially allowing it to earn interest at a faster rate. Few financial vehicles avoid taxes altogether. Insurance products only allow you to defer paying them until retirement — when you may be in a lower tax bracket.
• Tax Deferral

Planning

• Financial Planning
  At Seasons Change Financial, Russell T. Stellfox’s mission is to guide clients into a confident and comfortable retirement by providing the information and tools necessary to make the best financial decisions for their family’s future. He does this by providing clients with exceptional financial planning services and adhering to the Certified Financial Planning CFP Board’s standards of professional conduct. Russell’s primary focus is to assist clients transitioning from their working years into their retirement with increased financial knowledge and confidence.
• Retirement Planning
  Christa supports the day-to-day activities at Seasons Change Financial and is responsible for all aspects of setting appointments, assisting with client business, and preparing retirement planning workshops. She is new to the business but has years in customer and client services. Christa lives in Jim Thorpe, PA.
• Annuities
  Guarantees are backed by the financial strength and claims-paying ability of the issuing company and may be subject to restrictions, limitations or early withdrawal fees. Annuities are not FDIC insured.
• Long Term Care
  Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.
• Asset Management
  Our financial strategies and asset management services use insurance products, such as annuities, to help you meet financial goals. We can work in accordance with tax professionals or attorneys in your or our network to advise you on specific aspects of your financial strategy.
• Asset Protection
  At Seasons Change Financial, we offer you the following services: Retirement Income Strategies, Wealth Accumulation, Asset Protection, Annuities, Life Insurance, Tax Minimization Strategies, Long-Term Care, IRA & 401(k) Rollovers.