Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Retirement Planning

Forecast your spending and wealth accumulation through sophisticated modeling. Where will your retirement money come from? If you’re like most
people, qualified-retirement plans, Social Security, personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

Wealth Management

The Multiplication Method’s Wealth Management approach will work to create an overall retirement strategy and continues when situations change in your or your family's lives. These can include marriages, divorces, births, and deaths, or could be as simple (or complicated) as moving to another state, country, or even just up the street. Ongoing looks at your financial strategy also relates to outside factors, a change in tax policy or law is one example. Whatever the reason, big or small, your trusted financial professional will be more than happy to help you through whatever concern or transition you're facing.

Charitable Planning

How about gifting, whether within your family or to a charity? A significant gift, such as a philanthropic endeavor, would be a reason to look at your strategy. Have you purchased or sold a major asset on the level of a house or business? How about a major change to your debt profile, whether it's an increase or a decrease? It can even be as simple as having a major change of mind about your estate strategy, including changing beneficiaries or altering gifts you intend for charities and other entities.

Tax Planning Strategies*

Optimize thorough use of deductions, trusts, retirement plans, charitable giving, and conversion strategies to manage taxes.

Legacy Planning*

Another part of our process is what we like to call Legacy Planning. We think our where we feel our role is different from an Estate Planning Attorney. We help identify what’s important to you and decisions to consider upon your passing or the transfer of wealth.

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. As you prepare for retirement, we want to ensure that your assets are prepared also according to your wishes upon your demise. We do this by providing Legacy Planning by looking at wealth transfer strategies that maximize tax efficiency. And other family circumstances as they pertain to you.

Risk Management

The Multiplication Method looks at risk assessment and management. Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance. Our process believes in taking into consideration assessing risk. Life insurance is a foundational component for many financial plans. Things can change over the course of time. Avery Financial Services recognizes this and therefore, takes risk assessment and management into consideration in the Multiplication Method process.

*For specific tax planning and estate planning advice, please consult a qualified tax advisor and estate planning attorney.

We welcome the opportunity to be of service to you.  For more information on our firm and the AFS experience, simply drop us an email or call our office.  We look forward to meeting you.  |  mobile (678) 595-4835