VLOG - Advanced Wealth Advice

I am getting close to retirement age and want find out when I can do it?

This requires us to construct a financial plan for you that forecasts your income needs and sources of future income. You have two ways you can engage us to get this done for you:

Financial Planning relationship: We construct your plan for a fixed fee that is quoted during the discovery process.
Investment Management relationship: We construct your plan so we can set up and manage your portfolio to make your money available to you to meet your goals. This planning is included in our investment advisory fee.

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I am leaving my company and need to manage my 401(k)

Leaving your company gives you the opportunity to take more control over the securities you can use to grow your portfolio. Advanced Wealth Advice manages investments for families that are nearing, entering, or are living through retirement. Here’s what we do:

Build an income and tax plan for you to (1) define how much income you will need throughout retirement and when, and (2) analyze your current and future projected tax brackets to reveal tax minimization opportunities.
Create a “bucket” of cash or short-term securities that will provide a buffer against the inevitable market downturns.
Build a diversified portfolio of equity securities that have historically provided extraordinary returns for their level of risk.
Actively monitor and adjust the holdings to take advantage of short-term market fluctuations.

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I have $1M+ in a Traditional IRA and want to manage my taxes

If you’re over 55 and have more than $1M in a traditional IRA or 401(k), you could be in a higher tax bracket in retirement than during your working years. You need tax planning right now!

Diversify the tax status of your investment accounts.
Allocate growth securities based on tax status
Roth conversion strategy
A withdrawal plan that minimizes taxes
Donations using appreciated stock
Qualified Charitable Distributions (QCD)

You should not use any of these solutions without a well thought out plan. Our first step with you is create your personalized income and tax plan.

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I want to diversify a large block of company stock

“You get rich through concentrated holdings, and stay rich by diversifying them”

You’ve built wealth by holding just one stock – Your employer’s. But you only need to get rich once. How do you protect your wealth without triggering a large tax bill?

Advanced Wealth Advice offers a number of solutions to spread your risk beyond your concentrated holdings.

An exchange fund (not an ETF) enables you to get index-like performance without a capital gains tax triggering sale of your holdings.
Direct and Enhanced direct indexing accounts gives you tax-loss harvesting opportunities to offset your concentrated holdings’ gains
Hedging accounts can add downside protection and index-like performance while continuing to hold your concentrated positions

Your individual situation and personal preferences will determine which of these solutions is right for you.

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I want to plan my income in retirement

You’re thinking about retiring but need to feel comfortable about how you’ll do it without worrying about running out of money.

We start by building an income and tax plan for you. You get clarity on:

Things you want to do and accomplish throughout your retirement, and what that will cost
When you should start taking Social Security
How to withdraw money from your portfolio to create your annual income.
Allocating your portfolio to minimize taxes later
Creating income that is taxed at lower rates.

Advanced Wealth Advice then designs and manages your retirement portfolio so you can live out your plan.

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I want my estate to pass easily to my family with minimal taxes

There’s a lot more to an inheritance than just estate taxes.

Taxable assets and investments are taxed differently than retirement accounts when transferred at death
Inherited Traditional IRAs are taxed differently than Roth IRAs
Holding investments jointly versus individually may change tax treated when passed to the surviving spouse.

Advanced Wealth Advice helps affluent families minimize the impact of taxes when transferring assets at death. We do this through an intentional plan for who should own which assets and how to pass them to the people and charitable/religious organizations you care about.