Services

oliverbook3We specialize in helping retirees and those transitioning into retirement reduce tax burdens and increase income. It’s our mission to make sure you enjoy your hard-earned retirement using strategies that fit your specific needs. Any successful plan for retirement income needs a strong foundation that is why we developed the Four Pillars of Financial Success™.  This is a planning process that creates the proper foundation that a successful plan for retirement income needs to accomplish your goals.

Read Our Four Pillars of Financial Success™ Guide

Income Planning

The first Pillar in your plan incorporates strategies to minimize the risks to your retirement income. This can help create the stability you need in retirement and provide options for a potential lifetime income stream.

At Oliver Financial Group, we analyze your unique financial situation before developing strategies that can lead you to the retirement you’ve spent a lifetime working to build. Because we’re not tied to one particular company or product, we — along with our strategic partners — can offer a variety of strategies to address your retirement income concerns and achieve the goals you’ve set for yourself and your family. We are committed to sharing our expertise and informing you on possible ways to reach your retirement income goals.

Planning for retirement can be a complicated process. Whether you’re in the initial stages of planning or are already retired, Oliver Financial Group can help you make your retirement funds last. From helping to create an income stream you possibly can’t outlive and maximizing the value of your assets to protecting your family and preserving a legacy for your beneficiaries in death, we have the knowledge and experience you can rely on to feel more, confident and prepared. We will always keep your best interests at heart and put you in control of your retirement future.With many important decisions to make and many options available for meeting your needs, it’s important to have a resource you can count on to guide you each step of the way.

Tax Planning

The second pillar in your plan takes into consideration strategic tax planning.  This step will look at IRA planning techniques, Roth conversion strategies, tax-free wealth transfer, tax-free income and the proper way to avoid irrevocable tax mistakes.

April 15 can be a dreaded day, or a celebrated one. We can assist with IRA or other retirement account roll-overs and transfers, ensuring you don’t pay any unnecessary taxes, penalties and fees. We can also work with you to understand your Required Minimum Distributions (RMDs) and how to take them so your income in retirement is maximized as well as help you implement strategies to protect your family from excessive taxes on your legacy.

No tax advice will be provided. As required by the IRS, you are advised that any discussion of tax issues in this material is not intended or written to be used, and cannot be used, (a) to avoid penalties imposed under the Internal Revenue Code or (b) to promote, market or recommend to another party any transaction or matter addressed herein. Although Roth IRA contributions (including Traditional IRA conversion amounts) are made with after-tax dollars, the interest earnings generated in the Roth IRA grow tax deferred and may be withdrawn tax free if certain conditions are met. Determining when (or if) you should convert to a Roth IRA is an individual decision based on factors such as your financial situation, age, tax bracket, current assets and alternate sources of retirement income. Your unique circumstances help determine what’s right for you.

.

Asset Protection

The third pillar is the protection of your assets from the erosion of Long Term Care (LTC) costs. We will identify products that can provide the proper leveraging of your assets to protect you from this financially devastating event while providing your loved ones with tax free benefits if you do not need the care.

Long Term Care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. The Centers for Medicare and Medicaid Services (CMS) estimates that about nine million men and women over the age of 65 in the US will need long-term care. By 2020, 12 million older Americans will need long-term care. A study by the U.S. Department of Health and Human Services says that four out of every ten people who reach age 65 will enter a nursing home at some point in their lives. About 10 percent of the people who enter a nursing home will stay there five years or more.

We can help you navigate your questions when it comes to selecting the right Long Term Care coverage for you and your needs. We’ll look at the following during your initial (no cost) appointment:

• Types of LTC coverage available.
• Who in your family is likely to need Long Term Care.
• What to look for when buying Long Term Care insurance.

Call us today, so you can feel more confident about your future, knowing that you are helping to protect your assets and your family’s well being.

Legacy Planning

The last pillar is the pillar that insures that your life’s work goes to the ones you love. There are many pitfalls when it comes to succession planning. Taxes and the costs of probate can permanently damage the preservation of your assets that you have worked so hard to acquire.

Our main goal is your main goal with estate preservation: to provide for your family, including spouses, children, grandchildren, parents and siblings. We help you to design a strategy that allows you to share your life’s successes with others during your lifetime and direct distribution after death. We will work with you to prioritize the goals for your estate and customize a strategy to meet your long-term needs. Whether you are trying to minimize the impact of taxes or simply guarantee your heirs will receive what you have originally planned, Oliver Financial Group and our strategic partners will work with you to execute the proper strategies for you.

 

 

 

Do you have questions about your Social Security Timing and Benefits?

Attend Our Complimentary Seminar

Or, Make An Appointment Today

Additional Resources