We offer a variety of tax-smart retirement options to best fit your needs: 

• Traditional Individual Retirement Account (IRA)- IRAs function by providing a tax benefit for individuals who make contributions to their retirement account. Any contributions made for a given year can be deducted from one’s earned income for that year. 
• Roth IRA- Roth IRAs offer the tax benefit during retirement. Contributions that are made will not be deducted from one’s earned income. However, during retirement, any payments coming out of the Roth IRA will not be taxed. 
• Simplified Employee Pension IRA (SEP IRA)- An SEP IRA functions similarly to a traditional IRA. It is a retirement account for small business owners or self employed individuals. 
• IRA Rollover-An IRA Rollover allows individuals to take their employee sponsored retirement plans, and transfer funds into another retirement plan without any tax penalties. 
• Employer sponsored retirement plans - Make tax deductible contributions to your employees’ retirement. 
  • SIMPLE Plan IRAs- Employers match contributions of their employees’ retirement accounts
  • Defined Benefit Plans

1031 Transaction: Real Estate investors who sell their properties often initiate what is known as a 1031. A 1031 transaction defers any capital gains from the sale of an investment property when the proceeds from the sale are used to purchase another property. 

When an investor starts a 1031, they are often faced with the choice of taking the proceeds and paying capital gains tax, or finding another property and dealing with the day to day management of an investment property. Sometimes, a new property cannot even be found to complete a 1031. A Delaware Statutory Trust (DST) is a tax-smart investment for real estate investors who face these difficult choices. A DST is a real estate fund that satisfies a 1031 transaction for real estate investors. The properties that are in the fund are professionally managed and investors earn distributions that come from the rental income. Therefore, investors can have an income stream from owning an investment property without the day to day management.

Brokerage accounts allow the purchase of these types of investments: 

• Stocks: 

  An equity investment in a company. Stockholders own a share of the company and are entitled to any dividends and financial participation in company growth. They also have the right to vote on the company’s board of directors. Keep in mind that the return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.
  
  

• Bonds: 

  A debt instrument under which the issuer promises to pay a specified amount of interest and to repay the principal at maturity. The market value of a bond will fluctuate with changes in interest rates. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. By holding a bond to maturity, an investor will receive the interest payments due plus his or her original principal, barring default by the issuer. Investments seeking to achieve higher yields also involve a higher degree of risk.
  
  

• Exchange Trade Funds (ETFs): 
  A share of an investment company that owns a block of shares selected to pursue a specific investment objective. ETFs trade like stocks and are listed on stock exchanges and sold by broker-dealers. Exchange-traded funds are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
  
  
• Mutual Funds:
  A pooled investment account offered by an investment company. Mutual funds pool the monies of many investors and then invest the money to pursue the fund’s stated objectives. The resulting portfolio of investments is managed by the investment company. Mutual fund balances are subject to fluctuation in value and market risk. Shares, when redeemed, may be worth more or less than their original cost. Mutual funds are sold only by prospectus. Individuals are encouraged to consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
  
  
• Futures Contracts (Options) : A futures contract is a legal agreement to buy or sell a particular commodity asset, or security at a predetermined price at a specified time in the future.
  
  
• Cryptocurrency (coming soon)

Alternative investments are investments that are separate from the stocks and bonds market. They are also not publicly traded like stocks and bonds. These are the alternative investments that we offer: 

• Delaware Statutory Trust (DST) 
• Real Estate Investment Trust (REIT)- A REIT is a large real estate fund that owns many properties. Investors who buy into this fund can earn distributions from the rental income of these properties. REITs do NOT satisfy a 1031 transaction. 
• Real Estate Partnerships-A Real Estate Partnership operates similarly to a REIT except instead of buying into the fund, investors are buying into the partnership. Partnerships often specialize the types of properties that are in the portfolio (e.g. a partnership may only have warehouses in their portfolio while another focuses on medical facilities). 
• Qualified Opportunity Zones (QOZ)-A QOZ is a tax-smart investment that allows investors who have accrued a large capital gain from their investments to defer the capital gains tax for a certain amount of years. 
• Private Equity Funds- Private Equity funds invest in private companies that are less likely to be influenced by the stock and bond market. Distributions come from the operation of the companies in the fund.
• Energy Partnerships- This is a tax-smart investment that allows investors to invest in private energy companies.

We offer a tax-smart education savings plan. Contributions that are made to this plan are tax deductible and there are no tax penalties for withdrawing from the investment as long as the funds are being used for a qualified education expense.

An annuity is a contract with an insurance company that guarantees current or future payments in exchange for a premium or series of premiums. The interest earned on an annuity contract is not taxable until the funds are paid out or withdrawn.