Richard E. Mayer
CFP®, CLU®, ChFC®, CLTC
President, W.S.A, Inc.

200 Old Country Road
Suite 400
Mineola, NY 11501
Phone: 516-747-9849
Fax: 516-747-9851
Toll-Free: 888-879-3258
Contact Us

Map & Directions

Services

As your financial advisor, we look at ways to help increase your wealth through tax reduction strategies, asset preservation, asset allocation, retirement planning and estate planning. Our services are individualized and designed by Richard E. Mayer, CFP^®, CLU, ChFC, CLTC.

INVESTMENT PLANNING:

• Develop an investment policy statement specifically designed to meet your goals and objectives.
• Independent broker for over 5,000 mutual funds, guaranteed annuities and variable annuities.
• Through asset allocation, diversify your portfolio to help minimize your exposure to risk.
• Access to more than 40 private portfolio managers ($100,000 to $250,000 minimum per manager).

ASSET PRESERVATION STRATEGIES:

• Independent Insurance agents for life, health, disability, long-term care and Medicare supplement.
• For your family in the event of premature death of the wage earner.
• For the care for your young children in the event of a caretaker’s death.
• For your income stream in the event of disability (essential for single people).
• Help keep your assets from being liquidated to pay estate taxes and settlement costs.
• Help keep your assets from going to the nursing home.

TAX REDUCTION STRATEGIES FOR INVESTMENTS:

• Recommend strategies to help reduce taxes, including deductions, deferrals and/or reductions.
• Designed to reduce estate taxes 
• Designed to reduce the potential taxation on IRAs.

RETIREMENT PLANNING:

• Establish your retirement objective and design a plan to reach your objective.
• Advise on appropriate investments and how to diversify your retirement plan.
• Establish and invest the retirement plans - IRA, 40l(k), Keogh, SEP.
• Trustee-to-trustee transfer of IRA rollovers.
• Review IRA beneficiaries and the income tax ramifications, as well as distribution options.

ESTATE PLANNING:

• Advise as to the most effective way to transfer assets to your beneficiaries.
• Recommend strategies to help minimize estate taxes and settlement costs.
• Review options to prepay estate taxes using discounted dollars (generally 3-5% of the value of the estate rather than 55%).
• Structure your life insurance properly so that the IRS is not the beneficiary of up to half of your death benefit.

SERVICE LINKS:

• Asset Allocation - Asset allocation versus diversification - what's the difference?
• Asset Management - Discover the benefits of professional asset management.
• Mutual Funds - Your purchasing power at work.
• Retirement Planning - In today's rapidly changing world, retirement planning has never been more challenging. Working with a financial advisor to map a comprehensive, thoughtful retirement strategy and keep it on track is essential to your future well-being.
• College Planning - What will it take to deliver the dream?
• Identity Theft - The more you know about identity theft, the better you can protect yourself.