A good financial plan will provide the investment recommendations needed to pursue your financial goals. GWM wants to help you answer all of your financial concerns. As we conduct our periodic review of your financial plan, we will address your Complete Financial Picture.
Our Services
• Will you have enough assets to retire? • Will you run out of money? • Will you keep up with inflation?
• Have long term care? • Have enough life insurance? • Do you have Disability insurance? • Have umbrella coverage?
• Do they have LTC? • Do they have adequate finances? • Will they need assisted living or have alternate care arrangements (family/friends)? • Will you have to finance personally?
• Do you have mortgage debt? • Do you have consumer debt?
• What is the best option? • When is the best time to take? • Protecting spouse?
• Do you have a will? • Have you reviewed your beneficiaries? • Do you have a POA? • Have you prepared a medical directive? • Do you have any trust needs?
• Do you have/need for 529 plans for college? • Do you need ESA/UGMA for elementary/secondary school?
• Do you have instructions for spouse? • Relevant material in one place? • Contact info? • Password info? • Personal financial website?
We understand the unique needs and challenges faced by investors who are retired or about to retire. It’s important to structure your income in retirement with the goal to minimize taxes while optimizing income and growth potential.
Through comprehensive planning, we can help you prioritize your goals and develop a strategy that seeks to preserve and grow your retirement assets.
Whether you’re in the accumulation phase or have already retired, a comprehensive strategy is critical to helping you:
- Meet retirement income needs, desires, and expenses
- Maintain lifestyle choices and priorities
- Ensure that long-term aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals
We can assist you with the following:
- Retirement income strategies
- Investment management
- 403(b)/401(k)/IRA Rollover Services
- Traditional and Roth IRAs
- SEP IRAs
- SIMPLE IRAs
- Fixed and variable annuities
If you have questions about how prepared you are, or how long your income may last in retirement, we’ll be happy to meet with you to discuss your concerns and objectives. There’s nothing more rewarding than the confidence that comes with knowing that you’re on the right path to pursuing your important financial goals.
Our multi-generational financial planning approach seeks to provide you with the clarity, confidence and guidance you need to plan for the responsible stewardship of your family’s wealth over generations.
Goss Wealth Management Group will work with you and your spouse on an ongoing basis to develop investment strategies that seek to:
- Ensure that retirement income keeps up with inflation
- Develop strategies for mandatory IRA withdrawals
- Allow you to enjoy your favorite retirement hobbies and leisure activities
- Address the rising cost of medical and long-term care
- Provide the surviving spouse with personal, caring assistance in managing investments
- Address education objectives for children and grandchildren
We will also establish a working relationship with your children and grandchildren to help them:
- Analyze 401(k) plan options and implement strategies to grow these plans
- Evaluate mortgage-refinancing options that may substantially reduce mortgage payments
- Assess and implement attractive stretch IRA provisions
- Review company stock option plans and develop an option exercise strategy
We will also review or develop an estate plan that seeks to simplify the transfer of your estate to family members. We will work with your other professional advisors, including your CPA and attorney, to ensure that all necessary estate-planning documents are in place, and that a plan is effectively coordinated and implemented on your behalf.
If you own or operate a business, you are well aware of the unique set of challenges and strategies needed to help increase your profitability without overly complicated procedures. Our advisors are equipped to help you do just that.
Retirement Plan Strategies
Matching the right plan for your business is not a guessing game. 401(k) plans are not one size fits all and there are numerous other plan types (SEP, SIMPLE, Cash Balance…) that may be more suitable. Our professionals seek to help you work towards your goals through a plan tailored exclusively for your business. From there, we will work with you to seamlessly implement the plan and provide access to ongoing plan monitoring.
Insurance, Tax, and Risk Management Strategies
Whether you are just starting your business, in your prime, or looking to cash out, there’s a need for proper protection and planning. We can help you in all of the following areas and more:
- Business Succession Planning and Tax Strategy
- Life Insurance Analysis and Review
- Disability Insurance Analysis and Review
- Personal Liability Insurance Review
Helping our clients close the gap on potential risks is a core element of wealth planning. Risk analysis is an integral part of the services and advice we provide. By helping our clients protect against the unexpected, we may not be able to prevent devastating occurrences from happening, but we can prevent those occurrences from having a financially devastating effect on their families.
Through our agency relationships, Goss Wealth Management offers a full suite of life insurance solutions, including:
- Term life
- Whole life
- Universal life
- Variable universal life
- Long-term care solutions
Our Services
A good financial plan will provide the investment recommendations needed to pursue your financial goals. GWM wants to help you answer all of your financial concerns. As we conduct our periodic review of your financial plan, we will address your Complete Financial Picture.
• Will you have enough assets to retire? • Will you run out of money? • Will you keep up with inflation?
• Have long term care? • Have enough life insurance? • Do you have Disability insurance? • Have umbrella coverage?
• Do they have LTC? • Do they have adequate finances? • Will they need assisted living or have alternate care arrangements (family/friends)? • Will you have to finance personally?
• Do you have mortgage debt? • Do you have consumer debt?
• What is the best option? • When is the best time to take? • Protecting spouse?
• Do you have a will? • Have you reviewed your beneficiaries? • Do you have a POA? • Have you prepared a medical directive? • Do you have any trust needs?
• Do you have/need for 529 plans for college? • Do you need ESA/UGMA for elementary/secondary school?
• Do you have instructions for spouse? • Relevant material in one place? • Contact info? • Password info? • Personal financial website?
We understand the unique needs and challenges faced by investors who are retired or about to retire. It’s important to structure your income in retirement with the goal to minimize taxes while optimizing income and growth potential.
Through comprehensive planning, we can help you prioritize your goals and develop a strategy that seeks to preserve and grow your retirement assets.
Whether you’re in the accumulation phase or have already retired, a comprehensive strategy is critical to helping you:
- Meet retirement income needs, desires, and expenses
- Maintain lifestyle choices and priorities
- Ensure that long-term aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals
We can assist you with the following:
- Retirement income strategies
- Investment management
- 403(b)/401(k)/IRA Rollover Services
- Traditional and Roth IRAs
- SEP IRAs
- SIMPLE IRAs
- Fixed and variable annuities
If you have questions about how prepared you are, or how long your income may last in retirement, we’ll be happy to meet with you to discuss your concerns and objectives. There’s nothing more rewarding than the confidence that comes with knowing that you’re on the right path to pursuing your important financial goals.
Our multi-generational financial planning approach seeks to provide you with the clarity, confidence and guidance you need to plan for the responsible stewardship of your family’s wealth over generations.
Goss Wealth Management Group will work with you and your spouse on an ongoing basis to develop investment strategies that seek to:
- Ensure that retirement income keeps up with inflation
- Develop strategies for mandatory IRA withdrawals
- Allow you to enjoy your favorite retirement hobbies and leisure activities
- Address the rising cost of medical and long-term care
- Provide the surviving spouse with personal, caring assistance in managing investments
- Address education objectives for children and grandchildren
We will also establish a working relationship with your children and grandchildren to help them:
- Analyze 401(k) plan options and implement strategies to grow these plans
- Evaluate mortgage-refinancing options that may substantially reduce mortgage payments
- Assess and implement attractive stretch IRA provisions
- Review company stock option plans and develop an option exercise strategy
We will also review or develop an estate plan that seeks to simplify the transfer of your estate to family members. We will work with your other professional advisors, including your CPA and attorney, to ensure that all necessary estate-planning documents are in place, and that a plan is effectively coordinated and implemented on your behalf.
If you own or operate a business, you are well aware of the unique set of challenges and strategies needed to help increase your profitability without overly complicated procedures. Our advisors are equipped to help you do just that.
Retirement Plan Strategies
Matching the right plan for your business is not a guessing game. 401(k) plans are not one size fits all and there are numerous other plan types (SEP, SIMPLE, Cash Balance…) that may be more suitable. Our professionals seek to help you work towards your goals through a plan tailored exclusively for your business. From there, we will work with you to seamlessly implement the plan and provide access to ongoing plan monitoring.
Insurance, Tax, and Risk Management Strategies
Whether you are just starting your business, in your prime, or looking to cash out, there’s a need for proper protection and planning. We can help you in all of the following areas and more:
- Business Succession Planning and Tax Strategy
- Life Insurance Analysis and Review
- Disability Insurance Analysis and Review
- Personal Liability Insurance Review
Helping our clients close the gap on potential risks is a core element of wealth planning. Risk analysis is an integral part of the services and advice we provide. By helping our clients protect against the unexpected, we may not be able to prevent devastating occurrences from happening, but we can prevent those occurrences from having a financially devastating effect on their families.
Through our agency relationships, Goss Wealth Management offers a full suite of life insurance solutions, including:
- Term life
- Whole life
- Universal life
- Variable universal life
- Long-term care solutions
