Financial Planning Services
Netzel and Associates has over 22 years of experience in helping protect and preserve our clients' Financial House for Retirement. We are in the Financial Services Business offering a unique focus on helping people.
Are you Building your Financial "Retirement House"?
Is your Financial House in Order or Still under Construction?
Your Foundation
Secures your Financial House. Is your foundation strong enough to weather any economic storm? Your foundation helps you build for your future using safety as a primary goal! (Fixed Annuities, Cash, CD's)
Your Walls
All houses need walls. They represent the various accounts and investments in your nest egg. (Stocks, Bonds, Mutual Funds, REITs, Partnerships, etc.) Are your accounts and investments holding the roof up and able to cover your full retirement picture?
Your Roof
Protects your Financial House. Your roof covers and protects all the contents of your Financial House and is vital to a complete Financial House! (Life Insurance, Long Term Care Insurance, Estate Planning, Identity Theft Protection) There are many common things that create leaks in a person's financial house. Do you have leaks in Your Financial House? (Fees, Taxes, Market Volatility and Losses)
Finishing Touches
To your Financial House: A) Income Analysis and B) Yearly Maintenance (Regular Check-ups).
Our Services
Retirement Planning
A complete financial plan for the retired person and or couple, designed to properly allocate your portfolio toward maximizing current income. We understand that you want to make sure you have enough to get you through your retirement years and that you won't outlive your assets.
Pre-retirement Planning
The development of a transitional plan for those people nearing retirement. This would include recommendations to be put into place prior to and directly after your retirement date.
Estate Planning
We offer development of a plan to potentially reduce and / or eliminate estate taxes. We also facilitate the transfer of assets to your heirs and avoid pitfalls of your estate transfer.
Portfolio Review
We will analyze your current financial portfolio. This analysis will include asset class, risk exposure, income generated and available, tax reduction opportunities and more.
Long Term Care Analysis
Analyze your individual situation to determine if Long Term Care Insurance is appropriate. We can offer options either through traditional or "asset based" programs.
Required Minimum Distribution Strategy
This analysis will determine if your investment horizon and RMD are properly aligned.
Roth IRA Conversion Strategy
This important and timely analysis can determine the viability of converting some or all of an IRA to a Roth IRA. We can develop a plan to help you maximize withdrawals while maintaining low marginal tax rates.
Income Planning
The Asset Class approach...The creation of a long term income stream through the diversification of assets into income producing and growth segments. This planning is designed to work with your investment horizon and asset classes to allow for an inflation adjusted income. Our goal is to help you increase your cash flow while reducing unforseen volitility in your financial portfolio.
Tax Reduction Planning
This is a complete portfolio analysis with recommendations on changes to help you reduce current income taxes.
Social Security Tax Analysis
This analysis will help to determine if taxes on Social Security can be reduced and a strategy to follow if appropriate.
Life Insurance Analysis
We offer a comprehensive analysis of your current life insurance policies to see if changes are warranted and or beneficial. We can also assist you in determining if life insurance is needed. If so, how much and what type will be appropriate for your needs.
Contact Us
We provide this complimentary evaluation to help you make sure your Financial House is in order. We can help you! Call us at Toll Free 800- 311-9186 or locally at 480- 219-0657 or use our contact form today for your Complimentary Evaluation of your Financial House!