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    Home » Financial Services » Tax and Estate Planning

    Tax and Estate Planning

    Tax planning is an important part of your retirement plan.

    We can also provide advice to help you:

    These questions should be discussed now, as waiting until next year means potentially paying too much tax this year.

    Roberts Wealth Management will work with you and your CPA/tax accountant or recommend a qualified tax specialist. We will help you develop plans that are appropriate for your family ... because you and your family deserve better.

    Our simple no-obligation 3-Step Review is an effective way of learning more about tax planning that can benefit you and your heirs.


    Estate Planning

    Why an Estate Planning Checkup Is Essential 

    As a general statement, many individuals who earn a good living and/or have amassed wealth, do not have the proper estate or asset protection plan.

    The following are statistics about the general public*:

    * Provided by the Wealth Preservation Institute

    Estate planning is the process of making your personal intentions known so your loved ones don't have to be burdened with making difficult decisions in critical situations.

    Proper estate planning may allow you to save on taxes, court costs and attorneys' fees, while helping ensure that your property will go to the people or organizations you want, in the way you want and when you want. More importantly, estate planning can give you the confidence of knowing that your loved ones can celebrate your life without one day being saddled with unnecessary financial confusion.

    A little planning could go a long way to help ensure your wishes are fulfilled and there are no unintended consequences for your beneficiaries.

    Business owners too often have business assets tied up in the probate process and survivor management may not have access to needed cash to keep the business running or the ability to pledge assets for cash flow loans.

    Wills and trusts may only address specific issues and need to be reviewed and updated as your desires and situation change or as laws change that may impact your future plans.

    All estate plans should include consideration of the following:

    Roberts Wealth Management’s experienced team can help preserve the assets you have worked hard over the years to build and create the legacy you’ve earned ... because you and your family deserve better.

    We are happy to work with you and your existing attorney (or we can recommend a qualified estate planning attorney to you) to help you develop an individualized estate plan designed to pass on the legacy you choose.

    Our simple no-obligation 3-Step Review is an effective way of helping you find out more about estate planning that can benefit you and your heirs.

    Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

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    Tax-Deferred Growth

    Millions of Americans are putting their money in all forms of IRAs, annuities and employer-sponsored retirement plans, both qualified and non-qualified.

    The tax deferral that these plans and accounts offer is hard to beat in many cases, and the Roth IRA and Roth 401(k) plans that are now available can be particularly effective in sheltering after-tax income. However, there are times when the tax from retirement-plan distributions can be greater than the tax that was realized from unsheltered investments. 

    Among the decisions facing investors approaching or already in their retirement years are:

    The best answer to each of these questions for any individual retiree depends on an array of factors unique to their situation.

    Roth accounts shield your earnings from immediate taxation and the earnings can even be tax-free if certain requirements are satisfied.

    An annuity can provide you with a tax-deferred way of saving for your retirement. Once you’ve retired, an annuity can provide a guaranteed stream of income for as long as you live. It’s like getting a paycheck for the rest of your life; and it can help you maximize your income throughout retirement.

    Unlike most investments, an increase in the value of an annuity from interest is not currently taxable. Generally, annuity funds are allowed to grow tax-deferred until they're distributed, at which time the owner will pay ordinary income tax on all gains. 

    IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a planning strategy to reduce taxes and increase the payout your beneficiaries will receive upon your death.

    A Roth IRA is generally funded using after-tax dollars. These after-tax contributions and any earnings growth are exempt from tax upon distribution if the withdrawals are made at least five years after the account is established and after the owner is over age 59½. Original contributions made to the Roth IRA can be removed at any time without penalty. Most other retirement savings plans, such as a traditional IRA, are funded with pre-tax dollars. These accounts grow tax-deferred, and withdrawals are taxed at the taxpayer’s ordinary income tax rates at the time of distribution. 

    Roberts Wealth Management will help you assess your various alternatives for tax-deferred investments and recommend options to provide smart strategies for future growth ... because you and your family deserve better.

    Our simple no-obligation 3-Step Review will help you find out more about what options for tax-deferred growth will be best for you and your family.

    Although there is no up-front tax deduction for Roth IRA contributions, qualified distributions are income tax free.

    Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

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    Charitable Planning

    “Give until it hurts” may no longer apply.

    Make sure your adviser is qualified to help you set up a plan that can benefit a charity of your choosing. We can also partner with your preferred legal professional to help incorporate this plan into your estate plan.

    Direct gifts are only one way of helping your favorite charities. Many other alternatives are available. Some allow you to maintain control of your assets and still avoid future tax problems that might have occurred without the charitable planning. 

    Would you like to use a wealth building tool with the following characteristics? If so, Roberts Wealth Management can assist you to:

    If you have significant qualified or non-qualified type assets like IRAs, SEPs, 401(k)s or annuities, as well as capital gains in stocks or business interests, you may be creating significant future tax problems for you and your heirs.

    Discovering these problems today gives you the time to plan properly. You may be able to potentially avoid them entirely and significantly enhance the future for yourself, your heirs or your favorite charity.

    Our simple no-obligation 3-Step Review is an effective way of helping you find out more about how charitable planning can benefit you, your heirs, and those in your local community.

    Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

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    Life Insurance Planning

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    Today’s life insurance policies can be a valuable protective tool with respect to retirement planning, business planning and estate planning.

    As the stages of your life change, so will your life insurance needs. Having your existing life insurance policy reviewed is crucial for those in or approaching retirement, as your current life insurance policy may be outdated and/or lacking some valuable living benefits. 

    There are many types of policies, but they can generally be placed into one of two categories:

    Life insurance products and strategies have evolved to offer:

    Second-to-die policies allow the executor to handle the estate transition smoothly without having to sell assets at a reduced value due to timing.

    Having an insurance policy will not only supplement any income loss that may interfere with your family’s current quality of life, it will also pay for any lingering debts and medical bills that could contribute to the financial burden on your family at the time of your death.

    Roberts Wealth Management will review your existing life insurance policies and work with you to develop insurance strategies that meet your family’s objectives ... because you and your family deserve better. 

    Our simple no-obligation 3-Step Review is an effective way of helping you find out more about your life insurance options. If you bring in your policy and most recent statement, we will be able to provide a thorough review.

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    Strategies for Financial Independence

    To schedule a time to discuss your financial future, contact us at retire@robertswealth.com or call us at 281-277-0645 today!

    Retirement Kit

    Enter your information below to request this kit, including three separate guides that address several retirement topics.

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    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.