Financial Services Go to: InvestmentsRetirement Planning
As you prepare to enter retirement, you'll need to ask yourself
some challenging questions about your retirement plans. Determining what to do
with your retirement assets could be one of the most critical decisions you
make. And once you are invested, stay informed and keep your investment growing. See the SEC's information on Keeping your invested funds safe
The available education planning choices can be confusing. I can show you how your savings will affect your child?s or grandchild?s ability to qualify for financial aid, as well as the implications for your income, gift and estate tax situation. I can also help you identify how much money you need to send your children or grandchildren to college, determine how much you need to save, and how this dedicated investment might fit with your overall investment management plan.
If you don't take care of your estate, the IRS will. Without estate planning, you can't take maximum advantage of tax strategies. Your assets in your estate may not be preserved for your heirs. Having a will isn't good enough. Together we can analyze your needs, examine a variety of planning vehicles and determine some answers for your situation.
Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. I will build an investment plan that considers your investment goals, comfort level, expectations, and the effect of taxes on your portfolio. Because investment management is something that should be adjusted as your goals evolve and your portfolio changes, I will work with you on an ongoing basis to monitor your portfolio and rebalance it as needed.
Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management.
Even the best investment plans can crumble if you have not properly prepared for the unexpected ? risks that exist for every family such as disability, death, or a long-term-care need. I can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. I will make suggestions that not only address your risk management needs but also consider the tax implication of these changes.
As a business owner, you likely face daily challenges such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for your and possibly your employees? retirement, and protecting your business from a potentially devastating financial loss. I can help you evaluate and implement strategies that not only protect your business, but also take advantage of opportunities that could improve the cash flow, tax situation, benefits, and bottom line of your business.
Throughout your life, as you pursue your long-term goals, some expected and unexpected needs will come your way, whether it is planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home or facing unexpected expenses due to unforeseen events. I am here to help you with situations that don?t always fit nicely into the other wealth management issues and determine a path to monitor your tax situation and get you through whatever financial challenges and opportunities arise.
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About H.D. Vest Click on Registered Representative Carl Hebeler
Based in Irving, Texas, since its inception in 1983, H.D. Vest Financial Services supports an independent network of tax and non-tax professionals who distribute comprehensive financial planning solutions, including securities, insurance, money management services and Wells Fargo banking products. Approximately 5,400 independent contractors manage over $21 billion in assets for some 1.8 million individuals, families and small businesses in all 50 states. H.D. Vest became a non-bank subsidiary of Wells Fargo & Company in July 2001.