Financial Planning

How Do I Plan for Retirement?

The question most Smith, Kunz & Associates clients ask is, “Will I have enough for my desired lifestyle in retirement?”  This can be an overwhelmingly complex question for some people.  Allow us to help you project your fiscal needs, and if you’ll have enough income to life comfortably in retirement. 

Our certified financial experts can advise you on the best time to withdraw Social Security, which qualified retirement accounts to draw from first, and what kind of return you’ll need to expect on investments to avoid running out of cash too soon.

How do I Save for College?

Higher education costs increases continue to outpace growth in the economy. How do you plan for such a large expense for your children, yourself, or other dependents you wish to assist in attending college? If college isn’t for you, what can you do to finance a trade school or other vocational training?  We can help guide you through the myriad tax credits and deductions.  We can help you prepare FAFSA forms.  We can help you save for the future in tax-advantaged plans.

How do I Handle Estate Planning?

 

Estates that have over $5 million in assets are not the only ones necessitating good estate planning.  A good estate plan will remove the ambiguity of the deceased’s wishes, and the potential infighting among grieving heirs while passing on the maximum in after-tax assets to beneficiaries.  Allow us to guide you through this sensitive and complex planning.

 

 

Smith, Kunz serves as trustee for various clients. A trustee is required to act in the best interest of beneficiaries, as outlined in the trust documents. Some trustees, although well-intentioned, do not have the financial sophistication to always take the correct action. Some trustees are too close to the beneficiaries to see past biases. As third party CPAs and with a Certified Financial Planner on staff, we can act as knowledgeable and unbiased trustees.