Personal Financial Services

Retirement and Estate Planning

Personal Wealth Building and Wealth Management

It is never too early or too late to start building your wealth — saving for your future. We can help you create predictable streams of income using a variety of investment tools including the stock market, alternative investments, real estate, life insurance and annuities.

Why not create your own “personal pension plan” to create future income for yourself and your family — a portion of which can be contractually guaranteed. Wealth-building decisions are easier when made within the context of your own written financial plan.

Estate Planning

Who needs an Estate Plan? Everyone who owns anything. Concerns range from avoiding probate or conservatorship to controlling distributions to beneficiaries after your death.

Do you have a written plan for the management of your resources if you become incapacitated during your lifetime or for the efficient, economical distribution of your estate to your heirs at death?

Jim Tewalt is a Certified Legal Document Preparer who has drafted hundreds of Living Trust Portfolios for clients who are still alive, have died or endured incapacitation. He is not an attorney and cannot provide legal advice or grant attorney–client privilege, but he can educate you, provide information necessary to you making informed decisions.

Revocable Living Trust Portfolios

Living Trusts allow you to manage your assets while alive, if incapacitated, and transfer them efficiently and inexpensively at death. Pluses: creditor protection and tailored provisions for minors and special needs heirs.

Retirement Income Planning and Annuities

Many people work hard and save to build a “nest egg,” hoping it will be sufficient to last for twenty to forty years or more during their retirement years. NASA had a written plan that addressed every possible contingency when we sent a man to the moon and back. Retirement is an undertaking every bit as complex as putting a man on the moon and will span many more years. Do you have a written plan that enables you to look into your retirement future year by year and be assured that your money will not run out before you do? We believe that a sound retirement income distribution plan is the key for a successful retirement and we can show you how Annuities may fit into your planning by linking future interest earnings to the growth of the stock market without stock market risk and providing contractually guaranteed income for the rest of your life. Do you know your income distribution plan?

IRA and 401(l) Rollovers

When you change jobs or retire, you have four options for your money in any employer-sponsored retirement plan:

  1. Leave the money where it is
  2. Take the cash and pay taxes and possible fees
  3. Transfer the money to another employer plan, if the new plan allows or
  4. Transfer those funds into a Self-Directed IRA

Let us help you make the appropriate choice based on your retirement goals.

Other Services:

  • Legal Document Preparation
    • Living Trust Portfolios
    • Wills, Powers of Attorney (Financial and Health Care)
    • New business setup; LLC, corporations, non-profit corporations
    • Operating Agreements & By-laws
    • Buy – Sell Agreements
    • Probate
  • Property and Casualty Insurance
    • Home & Auto
    • Watercraft, Motor Homes, RV’s, Motorcycles
    • Business Insurance