Clear and actionable insights on wealth management from Capital Advisors, Ltd.
| by: Holub, Rob
The stimulus bills enacted in 2020 have not just put extra money in taxpayers' pockets (be it temporarily with the delay of the filing deadline or permanently with cash payments to those under a c...
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| by: Holub, Rob
In January, my blog post on the SECURE Act touched on a variety of changes to tax-deferred accounts. Considering the weighty topic being discussed, I am going to extend the series into a 3rd part late...
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| by: Holub, Rob
The new decade brought with it a new tax law, the Further Consolidated Appropriations Act (better known for its non-acronym-based title, the SECURE Act) which became effective on January 1, 2020. This...
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| by: Creviston, Nathan
The Health Savings Account (HSA) is a unique tool that offers a triple tax benefit not often found in financial planning. The HSA allows account owners to make tax deductible (pre-tax) contributions t...
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| by: Creviston, Nathan
The regulations, considerations, and strategies are ever changing for Required Minimum Distributions (RMD’s) from retirement plan accounts. We wanted to offer some insight into a few strategies...
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Many firms call their services wealth management but really only provide investment management with some window dressing. That may be what you seek. But if what you require is wealth management defined as integrated financial planning, of which investment planning is just one important component, you will want to dive deeper. Wealth management should also include retirement, estate, income tax, corporate executive, business succession, and insurance/risk management planning. If these are services you require, be sure your advisor has the professional skills and experience to provide them.
Ask to see sample output such as sample investment update reports and cash flow pro forma that are critical to making investment, retirement, estate, and tax planning decisions. Ask about the frequency of reporting and contact. Additionally, ask who will be on your service team, so you are assured that you can always speak to professional staff members who are intimately familiar with your affairs.
Do they consider and report on investment assets, which are held or managed by other firms – for instance in your retirement plan? In order to properly allocate a client’s portfolio for optimum outcomes, all assets must be considered as a whole.
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