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Financial Needs Analysis
Any good financial advisor or representative should always do an FNA before making any recommendations, and it is required by anyone holding a license to do business.
Your financial advisor representative gathers information on your overall financial situation and goals, analyses the information and recommends an investment product or plan that is considered to be suitable for you. You will need to consider the recommendation carefully and assess whether the investment product or plan meets your needs.
With our years of industry experience, we focus on helping to maximize the value of your income portfolio and help you build a retirement plan that delivers dependable income, growth potential, and, most importantly, defense against damaging losses. As a Registered Investment Advisory firm, we honor our fiduciary responsibility. As spelled out in the U.S. Investment Advisers Act of 1940, our goal is to always act and serve in the best interest of our clients.
A tax deferred retirement rollover occurs when you transfer assets from one eligible retirement plan and contribute it to another eligible retirement plan, such as an IRA. When handled correctly, doing a rollover is the best way to move money between retirement accounts. But when not handled correctly, taking money out of a retirement plan can be expensive.
A 401K is a retirement savings plan sponsored by an employer. It lets workers save and invest a piece of their paycheck before taxes are taken out. Taxes aren’t paid until the money is withdrawn from the account. Doing a 401(k) rollover is a great idea in that it allows you to move money out of your old company's retirement plan, keeping the tax deferred status, while allowing you more control over the assets and giving you more investment options.
Individual Retirement Accounts (IRAs) have become a popular retirement savings vehicle for generations of investors. A new generation of IRA investors is emerging—one that has inherited, or will inherit an IRA from a parent, spouse or other person. When you open an IRA you generally name a beneficiary. This could be a spouse, children or other individuals, a trust or charity, or some combination. For inheritance purposes, the named IRA beneficiary takes precedent over a will or trust. Learn more about how to avoid unnecessary taxes…