Retirement Planning
Click here to see our recent Kiplinger article on 10 Key questions to ask
when turning 60.
Everyone has different goals for their retirement, and proper planning can help you achieve
yours. Harty Financial provides highly-personalized retirement planning and IRA strategies aimed
at protecting your assets and creating a healthy stream of income that lasts as long as you do.
Some of our common services for retirees and pre-retirees are detailed below.
Wealth Management and
Retirement Planning
We work with our clients to design and implement a variety of accumulation and retirement
income plans, offering insurance products, investment programs ranging from separately
managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth
management programs. We offer a consistent process to help ensure management of investment
assets according to your goals, risk tolerances and time horizon. We then monitor your plan
on a continual basis, and adjust and evolve as your needs change.
Estate Planning
A well-engineered estate conservation plan can minimize tax liability and ensure that loved
ones are protected. We will work with you and your other advisors to assess the impact of
state and federal taxes on your estate and suggest strategies to help minimize those taxes
while meeting your personal philosophies and family needs.
Financial Planning
Qualified Eagle advisors provide personalized financial planning to our clients that is
specific to several variables including their income, risk tolerance, values, and family. We
work with each client to identify and prioritize their goals, explore options, establish
effective strategies, construct and execute a plan, and assess the performance of the plan
and make adjustments as needed.
Investment Management
Managing your wealth requires a clear understanding of your overall investment objectives.
Through Eagle Strategies LLC, our comprehensive investment advisory capabilities utilize a
disciplined investment approach that looks beyond traditional asset allocation, while
addressing important factors such as risk tolerance levels and investment time horizons.
401(k) and IRA Rollovers
When you leave a job or retire, you have a decision to make regarding your 401(k) money.
While leaving those assets in the former employer's plan is an option, a rollover can be a
consideration. Working with your tax advisor, we can help you determine the right course of
action for you. This may include: leaving the funds in your existing plan, if permitted, or
rolling them into your new employer's plan, if one is available and rollovers are permitted.
Each choice offers advantages and disadvantages, depending on your specific needs and
retirement plan, such as the desired investment options and services, applicable fees,
expenses, and withdrawal options, as well as required minimum distributions and tax
treatment of applicable options.
Asset Protection
There are numerous financial strategies and retirement income plans that can help you
accumulate assets for the future, shield your business and personal assets from liabilities,
and safeguard asset transfer to children and grandchildren. We can help you figure out what
the right course of action is for your specific situation and objectives.
Charitable Planning
Charitable planning allows you to support the organizations and causes that matter to you,
while often providing immediate income streams and reducing your tax burden. Numerous
charitable giving strategies exist, and we can help you design and execute a charitable
giving strategy that is in alignment with your personal and philanthropic goals. Please seek
tax advice from your own tax advisors.
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your
retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.
Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money
for retirement. Income annuities are used to generate a stream of income payments that is
guaranteed to last for as long as you need it to - even for the rest of your life*. Some of
the different types of annuities are:
Fixed Deferred Annuities
With a Fixed Deferred Annuity, the interest rate on your policy is
guaranteed* never to fall below a certain amount. For many people, this
provides a measure of security.
Lifetime Income Annuities
An income annuity where income payments begin immediately - one period after the
annuity is purchased. It is designed to provide you with predictable income monthly,
quarterly, semi-annually or annually, no matter how long you live, and regardless of how
the financial markets perform.
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