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RETIREMENT PLANNING

Retirement Planning Process

"We want to help you articulate your goals and develop a financial plan to pursue them."

The M.E.R.R.I.T Planning Process is our unique blueprint for comprehensive financial planning.

Mortgage Planning

Whether it's having a paid off house, refinancing, or buying that dream retirement home, our mortgage planning process will help you achieve this important aspect of the American retirement dream.

Estate Planning

We ensure that all your assets - physical, financial, intellectual - are inherited by the people to whom you want them to be transferred after your demise. In addition to convering the legalities, we consider the potential inheritance drains, such as taxes, and strategically positioning assets so that your beneficiaries can best receive your legacy.

Risk Management

This is where the magic happens… We will apply decades of experience, thousands of hours of training and mentoring by the industry’s top experts to answer the following questions:

Determine how much market risk is required (if any),
Optimally structuring assets,
Reduce unnecessary waste and fees,
Eliminate, or at least reduce, threats to your retirement.

Real Estate

Buy and hold rentals
Fix and Flip
REITs
Land Banking
Promissory Notes
Short Term Rentals - AirBnB/Vrbo
Self Directed IRAs
Resource - Bigger Pockets

Income Planning

The heart of every financial plan is cash flow. Each year, we analyze how to maximize cash flow and make performance-based adjustments using our dynamic cash flow strategy.

Tax Planning

We all need to pay our fair share of taxes to the government, but that doesn't mean we need to leave them a tip! We are continuously evaluating your plan for opportunities for reducing your lifetime taxes paid. This includes:

Strategic conversions and contributions to tax-free accounts, such as Roth IRA's.
Tax-Free income using Cash-Value Life Insurance, Home-Equity Conversion Mortgages and other alternative sources.
Avoiding Capital Gains Taxes in brokerage accounts
Minimizing effects of the "Social Security Tax Torpedo"
Helping surviving spouse avoid the 'Widow's Tax Trap'

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