Wealth Management and Retirement Planning

Financial Planning

Building a solid, long-term investment strategy tailored to your unique situation is an integral part of meeting your financial goals. We use a personalized approach to help determine an investment plan that suits your needs. Throughout the various stages of your life, we’ll seek to ensure that your financial decisions are appropriately and realistically aligned with your financial aspirations. Over the long term, we’ll manage your money with a strategy that strives to keep you on the road to meeting your financial dreams.

Asset Management

To further assist you in meeting your financial goals, we’ll seek to ensure your investments are properly diversified with an asset management strategy. Diversification (dividing your assets among different strategies) is often cited as one of the best long-term investment objectives. Time horizon and risk tolerance will drive your asset allocation and help determine the right balance for you. While using asset allocation methodology does not guarantee greater or more consistent returns, or insure against loss, we’ll work with you to help build a personalized portfolio based on proper asset management strategies.

Retirement Planning

With life expectancies increasing, many people will spend up to one-third of their life in retirement. Actively planning for your retirement can be one of the most important choices you’ll ever make. The goal of achieving a comfortable retirement requires some in-depth strategic planning, which includes some well-thought-out lifecycle management. We’ll assess your current position with respect to your retirement needs and goals, and then put you on the investment path to potentially realizing them.

Estate Planning

Estate planning involves more than just tax savings for the wealthy. A sound estate plan may provide for effective preservation and transfer of wealth to your loved ones. A solid estate plan can provide the liquidity your heirs will need to settle your estate taxes, minimizing their financial burden. At R. C. Acosta & Associates, CPAs PC , we will work with your tax and legal representatives, or help determine the estate planning specialists needed, to ensure that every aspect of your plan is met. Together, we’ll help you take the steps necessary to protect, conserve, and distribute your assets for the benefit of your loved ones.

Insurance Strategies

Regardless of how much time or money you spend building your investments, one unfortunate event can quickly erode their value if you don’t have an appropriate insurance plan in place. At R. C. Acosta & Associates, CPAs PC , we can offer the professional services of associated insurance brokers to provide essential insurance strategies to help protect your financial future and your loved ones. The strategies we collectively build for you may include many different components such as whole or term life, long-term care, disability, or other types of coverage. We understand that your needs are unique and can help put in place a plan to protect what is important to you.

Fixed Income Strategies

Adding fixed income investments to a portfolio can result in an important level of diversification to other types of higher risk investments. Fixed income investments can help serve some very specific investment needs, such as providing regular monthly retirement income. Many investors seek out the possible tax-exempt status of certain types of fixed income investments. We have access to some of the industry’s most experienced fixed income research and trading desks, and can help provide you with an array of fixed income products to meet your needs.

Small Business Planning

For small business owners, savvy business planning may help avoid some of the most common pitfalls that cause small businesses to fail. From obtaining financing to selecting employee retirement, benefit, and insurance plans, small business planning can help give your company the edge it needs to prosper. We can assist you in managing your earnings for growth, and help develop a succession plan that provides you a financially-sound exit strategy. We’d like to help you to make the most of the opportunities available to your business.

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