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Am I on Track?

Look to us and count on our experience to help put you on the path forward to your goals. We will work with you to develop a strategic plan to help you prioritize what needs to be accomplished at different starting points in your life. We will then help you implement any needed changes and monitor your progress over time. Just like taking a trip, you can travel any road and get somewhere, but if you know where you want to go, then you must plan what roads to take. Taking a little time to plan now will help ensure you ultimately get where you want to go. Just know that you don’t have to travel solo.

Planning Considerations

Maximizing pre-tax savings for retirement

Employee benefit decision and review

Health Care Savings accounts

Business and career planning

Life and Disability insurance

Debt consolidation

Home purchase and mortgage/refinance considerations

Marriage, new family and college funding

Divorce planning

Special Needs planning

Will, Power of Attorney and Health Care Proxies

When can I make the leap?

Determining your income needs during retirement is a complex equation. The challenge is managing a portfolio by withdrawing some money for today’s expenses and investing the rest for the future. We can help you take inventory of your situation and project out your retirement cash flow. This foundation shapes your asset and portfolio allocation decisions heading into retirement. We will set you on a course for a safe, sustainable withdrawal plan considering your assets and potential sources of income. And we will help you coordinate and optimize the liquidation of your retirement and investment accounts considering income taxes and required minimum distributions.

Planning Considerations

Business succession planning

Retirement cash flow projections

Calculating a sustainable withdrawal rate

Social Security filing options

Income solutions

Expense and budget review

Concentrated Stock and Options strategies

Residency and domicile considerations

Health care insurance and Medicare

Traditional and hybrid Long Term Care insurance

Taking care of dependent parents/children

Asset allocation and investment portfolio choices

Creating income from investments

Executive Benefit planning

Pension payout decisions

Annuity and Deferred Compensation options

Life, Disability and Long Term Care insurance

Planning for an inheritance

Can I make my money last?

Inflation, longevity, the method which you withdraw your income and the random sequence of your returns are some of the key risks to your retirement. Even after calculating your retirement spending needs and saving early and often, these risks, if not planned for, could still have you falling short of your goals. Your ACM Wealth Advisor will build an income optimization plan that will take into account these concerns and help you extend your cash flow in the most efficient manner possible.

Planning Considerations

Ongoing monitoring of cash flow (income, expenses and income taxes)

Recognizing inflation & longevity

Managing investment allocations for a long retirement

Optimizing proper withdrawal order in retirement

Managing income taxes

Roth IRA conversions

Rising health care costs

Taking care of dependent parents/children

Home health care and life care community options

Downsizing

Reverse mortgages

Medicaid planning

How will I be remembered?

The term legacy is often associated with the rich and famous or to a large amount of money left to someone. More broadly, our legacy may entail the transfer of values, goals or dreams, memories and, yes, financial assets. And for some, it’s the hope of not being a burden to family or someone else. It’s entirely personal.

As your wealth grows, your financial legacy may become more complex. With more assets and greater value, additional considerations (asset protection, family harmony, estate transfer and gift taxes) come into play. In addition to our expertise, we work with your existing advisors and experts in the fields of estate planning, taxes and philanthropy on a regular basis to ensure that your estate plan is in order.

Planning Considerations