Whether you are an individual with personal and family goals or the person charged with the financial goals of your organization, we are here to provide you with an array of financial and investment planning services essential to your success.
We will work hand-in-hand with you – and, if need be, your other professional advisors – to select the service that best suits your needs, then apply our investment insight and expertise to tailor the required service to your unique situation and with your specific goals in mind.
I think you will agree that a college education is among the most important milestones in our children’s future. Did you know that 529 college savings plans offer unique benefits to parents and grandparents who want to save for their children’s college education regardless of the child’s age?
That’s why I’ve started a 529 plan for each of my grandkids. These are 2017 pictures.
529 college savings plans offer these features and more:
* state tax treatment will be dependent on state of residence
** subject to certain restrictions
I’d like to help you establish an appropriate savings strategy.
Call me at (941) 750-6818 today.
Earnings in 529 plans are not subject to federal tax, and in most cases, state tax, so long as you use withdrawals for eligible college expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible college expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings.
Before investing you should consider whether your resident state offers state tax or other benefits only available when investing in your state’s 529 plan. Plans offered by other states may not provide these same tax benefits. Changes in tax laws or regulations may occur at any time and could substantially impact your si tuation. You should discuss any tax or legal matters with the appropriate professional.
One of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of one’s own needs and wants is one thing, but it takes additional planning and knowledgeable guidance to help ensure your financial legacy makes an enduring difference in the lives of loved ones or a favorite charity.LEARN MORE
Whether planning to build a home by the lake or help your daughter launch a business, you need a well-conceived plan in order to succeed. Achieving financial independence is no different. Whether you’re looking to grow your money over time, generate income in retirement or preserve wealth for future generations, confidence in your financial plan comes with knowing your assets are invested well. As your knowledgeable partner, we provide wide-ranging, comprehensive financial planning with which to chart a detailed course for pursuing a bright and secure future.LEARN MORE
Many of today's retirees can expect to spend 30 years or more enjoying the fruits of their labor. That's why it's increasingly important not simply to plan for retirement, but to plan for longevity in retirement - all of the years it might last, all of the ways your life will change and all of the events you can't foresee.LEARN MORE
As your trusted partner, we help you pursue your goals by constructing, managing and monitoring a broadly diversified portfolio that is fully customized to suit your needs. Through clear communication, we help you understand what you own and why, placing your best interests above all else.LEARN MORE
We understand that there should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the ultimate steward for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you’ll ever need.LEARN MORE
Financial Planning is not just a listing of your stocks and bonds and what to do with them.
Financial Planning is a comprehensive analysis of your needs, wants, and wishes today that’s tailor-made just for you. Then looking into the future throughout your lifetime, your plan will estimate the confidence that these goals will be carried out using your income earning assets to pay for them. Then when the end comes, how best to distribute what’s left to your beneficiaries, trusts, or charities.
Working together, I review your goals, write a multi-page plan, and monitor the results making changes when needed. That is Financial Planning. It’s the right thing to do and the right way to do it.
Don’t be intimidated by the complexity of your plan.
Click HERE for a detailed Sample Financial Plan
Click HERE for the shorter Executive Summary
Click HERE for "Topics for Review" to make sure we don't miss anything
Click HERE for my published article entitled: "It's Just 1-2-3."
With your plan in place, then we'll decide what investments make your plan work.
We are dedicated to helping you not only achieve, but have an understanding, of your life's financial plan.
With your help, let me design your plan.LEARN MORE
You’re getting older every day. Meanwhile, regardless of age, there are the possibilities of incapacity, nursing home, and dying. Press HERE to read my published article entitled: "So You Have To Trust Somebody."
As a former Trust Officer with two trust companies, I’ve seen the ravages on a family’s wealth and sociability. As your Financial Planner, we'll work together with an attorney who will draw up the legal documents.
Only you can make decisions but those decisions or lack of them can hurt innocent victims.
If you have stocks, bonds, mutual funds, CD’s and other intangible assets of $500,000 or more, consider one of the many versions of a trust. If it’s not in writing, it generally doesn’t mean anything.
Deciding who will manage your own trust, how you will manage someone else’s trust, or settle someone else’s estate requires careful consideration. Contact Jim Zientara and let’s talk.LEARN MORE