Will you outlive your money?
John, 62, was paying too much in taxes and was frustrated by mounting losses in his investments. He had worked hard to build a $3.0 million portfolio; however, now that retirement was close at hand, his desire was to protect his estate from taxes and create a retirement plan to ensure he and his wife would not outlive their income. After a thorough review of John's portfolio, it was determined that he was paying taxes on income he was not receiving because his portfolio was not structured properly.
Charles restructured John's portfolio so that his income and dividend investments were in an IRA and his growth investments in a taxable account. John's tax liability was reduced and his income protected while at the same time his rate of return was increased from minus 20% loss in year one to over 12% growth in less than three years.
Senior managers and executives age 45-60 with $1 million in investable assets or $150,000 in taxable income can benefit greatly from a carefully crafted retirement plan. The key is to create a "goal focused" retirement plan and seek counsel on a regular basis to review progress and make adjustments when necessary.
What makes Charles different is that he provides unbiased, independent financial advice based upon your specific goals. Like a master craftsman, Charles molds, shapes and transforms your financial situation to fit your vision, goals and dreams.