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Investment Planning
As an initial step, we at Zackeroff,
Miller & Hurt Financial Group evaluate
each client's current holdings to determine how appropriately they
meet the desired objectives. These might include investments for retirement
income, education, charitable or other gifts, survivor income, or
financial independence. Next, we establish an asset allocation policy
designed to meet the client's individual needs.
Our client portfolios are primarily diversified
among carefully selected investment products to include, mutual funds,
stocks, bonds, variable and fixed annuities, both domestic and international.
Our staff also has access to high quality private account managers when
this fits a client's need. Additionally, our tracking and monitoring
services keep clients informed of their portfolio's rate of return and
its relation to industry standard benchmarks.
First steps:
• Complete assessment of your needs and your existing wealth
management plan
• Comprehensive proposal outlining our recommendations
• Commitment to let you know if we can or cannot help you
Click on one
of the following links for more information on Investment Planning
Investment Planning 101
Federal
Citizens Information Center - Pueblo Publications
Financial
Facts Tool Kit (SEC)
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Retirement Planning
Transitioning from earned income to
investment portfolio can be a difficult psychological shift for some
individuals. Therefore, we assist clients in determining appropriate
income sources and whether their assets should be sold or reallocated.
Our financial modeling services can
help clients determine the amount of inflation-adjusted income that
will be necessary throughout their retirement. We also determine the
optimal distributions from qualified retirement plans, such as 401(k),
IRA or pension funds, coordinating income needs while maximizing tax
efficiency.
We assist clients in making important
pre-retirement decisions, such as IRA rollovers, lump sum vs. annuity
elections and survivor pension options
Click on one
of the following links for more information Retirement Planning
Internal Revenue Service - Retirement Plans
Social
Security Administration - Retirement
FirstGov
for Seniors - Retirement Planning
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Estate Planning
Without proper planning, much of a high
net-worth individual's estate may be consumed by estate taxes. In order
to minimize taxes and maximize the estate for heirs, we employ various
estate planning strategies. We assist in identifying key individuals
to be involved in an estate plan, such as family trustees, executors
or commercial trust/financial institutions, and the proper individuals
to manage trusts.
Making plans for the transfer of an
estate involves much more than drafting a will. It involves coordinating
beneficiary designations; titling assets and coordinating various
entities, such as family limited partnerships, family owned businesses,
charitable foundations and trusts.
Because Zackeroff,
Miller & Hurt Financial Group is
not bound to any specific bank or trust company, we can help identify
a suitable custodial relationship should it be necessary. And, we
can include provisions in the plan which enable clients to change
relationships as performance or circumstances dictate.
Click on one
of the following links for more information Estate Planning
Federal Citizens Information Center - Pueblo Publications - Life Advice
Federal
Citizens Information Center - Pueblo Publications - Planning Your Will
and Estate
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Business Planning
Attracting and retaining key employees
is essential in a competitive environment. Toward this end, qualified
benefits, including 401(k)s, pension and profit sharing may apply,
as may non-qualified programs, such as Key-man insurance protection,
stock options and deferred compensation arrangements.
In estate planning, one of the most
important decisions a business owner must make is whether the business
should be kept or sold. If the business is to flourish into the next
generation, the owner must select the appropriate person to continue
its operation. Zackeroff,
Miller & Hurt Financial Group can
assist individuals in designating an appropriate third party or family
member to continue the business through buy/sell agreements or other
viable legal entities.
An additional consideration is providing
enough liquidity to ensure that the business need not be sold in order
to pay the estate taxes. Our services help clients quantify the impact
and designate the assets necessary to pay as little tax as possible.
Click on one
of the following links for more information Business Planning
U. S. Small Business Administration - Business Plan Basics
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Charitable Giving
We recognize that many clients wish
to give something back to the community in which they prospered. Therefore,
we can recommend a number of attractive and worthwhile options for
clients and families to consider for charitable gifts. And, of course,
it is important to remember that charitable gifts can help protect
an estate against unnecessary taxes.
Click on one
of the following links for more information Charitable Giving
The Bureau of Consumer Assistance - The Solicitation of Contributions
Act
Better
Business Bureau - Wise Giving Alliance - Tips and Information
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Long Term Healthcare Planning
Long term care can be a very challenging and
confusing topic for the average person to try and understand. There
are many different types of long term care planning that can be implemented.
Long term care is one of the most overwhelming issues that you or
your family may face in your lifetime. This piece of the financial
planning puzzle is often the most overlooked and most costly in terms
of emotionally, physically and financially exhausting.
The fastest growing segment of our population
is age 65 and older. According to the Washington Post (April 1996),
six out of every ten people in the United States will have a long term
care experience that will impact their family and themselves deeply.
It is very important to discuss the values that you have and what is
important to you personally so that the appropriate course of action
can be implemented. This course of action can vary from person to person.
The most important piece of information that
we can share with the general public is that everyone’s long
term care plan should be custom designed. We all have different needs,
values and beliefs.
Click on one
of the following links for more information Long Term Healthcare Planning
FloridaDepartment of Elder Affairs
Things You Should Know Before You Buy Long- Term Care Insurance Long-Term
Care Insurance
Florida
Department of Financial Services
Frequently Asked Questions About Long Term Care
Florida
Department of Financial Services
Brochure: "Long Term Care and Other Options for Seniors"
(PDF)
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For more information about
Zackeroff,
Miller & Hurt Financial Group Services,
or to have one of our Professional Financial Advisors get in touch with
you, please Contact Us
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