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Professional Group

Preparing for Retirement

Planning financially for retirement is anything but easy. You have to determine how much you need to retire, your budget for healthcare costs, the best Social Security filing strategy, and how the tax impact of taking distributions from various retirement sources will effect your planning. In this presentation we will be covering:

  • How to plan expense-wise for retirement
  • How much you need to retire
  • Tax considerations in retirement
  • Social security filing strategies
  • Medicare and healthcare costs
  • Pension decisions
  • Preparing your investment portfolio for retirement
  • The most common mistakes that we see retirees make
  • Managing the risk of a long-term care event

Wills, Trusts, and Estate Planning

Most people realize that they should have a will, health proxy, power of attorney, and in some cases, a trust. Unfortunately, most people don’t get around to creating those documents and when a tragedy occurs it’s too late. Also, if you have parents or grandparents over the age of 70 and think you may be serving as the executor or trustee to their estate plan, it’s vital to know how these documents work and what your responsibilities entail. In this presentation we will review:

  • How to establish a will
  • Items that should be included in your will
  • How a health proxy works
  • Power of attorney documents
  • What is a trust and how do they work
  • Estate planning when you have minor children
  • Using trust to protect assets from a long-term event
  • Beneficiary designations on retirement accounts and life Insurance
  • Most common mistakes we see people make with their estate plan

Selecting the Right Investment Advisor

Selecting the right investment advisor can be a difficult task. What questions should you be asking? How do you compare one investment advisor versus another? Since investment firms vary greatly in the services that they offer and their approach to investing, it’s important to be able to identify which type of firm is in the best position to meet your needs. In this presentation we will cover:

  • Questions that you should be asking when you interview an investment advisor
  • The different ways that investment professionals are compensated
  • How many investment advisors you should interview
  • Using an investment advisor versus self directing your investments
  • Common investment designations and what they mean (CFP, CPA, etc.)
  • The difference between an advisor and a broker
  • Knowing when it’s time to fire your advisor
  • How the investment industry has changed within the last five years
  • Avoiding a Ponzi scheme
  • The most common mistakes that people make when selecting an advisor

Advanced Tax Strategies for Business Owners and Executives

All business owners and executives have one thing in common; they all pay big dollars in taxes.  This presentation is meant to highlight the tax strategies that we use to lower the tax liability for business owners and executives.  We will cover:

  • New tax strategies that have emerged from tax reform
  • Advanced plan design for company retirement plans allowing larger pre-tax contributions
  • Windows of opportunity for Roth conversions
  • Leveraging your spouse’s access to various retirement accounts
  • Non-traditional use of HRA and HSA
  • Little known tax secrets about 529 plans
  • Putting children on the payroll
  • Advanced tax strategy for charitable giving
  • Maximizing the new 199A Deduction
  • Pros and cons of changing to a different corporate entity structure

Advanced Tax Planning Using Employer Sponsored Retirement Plans

Employer sponsored retirement plans can often times be the most useful tool in reducing a clients tax liability. However, it is important to note that each plan works differently and has different eligibility requirements, contribution limits, and compliance requirements. This presentation is designed to help professionals understand the difference between these type of plans at a high-level. In order to do this, we will use case studies to show advanced tax strategies that we use when implementing retirement plans for clients.

  • Brief overview of the different types of plans
  • SEP IRA vs Simple IRA vs Solo 401(k)
  • Contributing $300,000 pre-tax in a single tax year
  • Advanced plan design options
  • Top compliance mistakes
  • Understanding discrimination testing
  • Tax triggering events: loan defaults, excess deferrals, in plan Roth conversions
  • Mergers and acquisitions
  • Business owners with more than one company (Control group rules)
  • Plan establishment deadlines
  • Case studies: The most common mistakes we see companies make with employer sponsored retirement plans

Different Ways to Structure Ownership for Key Employees and New Equity Partners

Whether you are bringing in new partners or looking for ways to tie key employees to the business, there are multiple ways that you can structure ownership in the company.  It is so important to get this decision right because the wrong decision can lead to disputes and litigation between you and your new partners. Unfortunately, this happens more frequently than you would think and we have had a front row seat to many of those disputes. This presentation will cover:

  • Strategies for giving the feeling of ownership without actually giving equity
  • Structuring the buy-in for younger owners
  • Key provisions that you should have in your operating agreement
  • Phantom stock plans
  • Option plans
  • Executive deferred comp plans
  • Valuing the business
  • Tax implications of different buy-in structures
  • Planning for a break up
  • The most common mistakes business owners make when bringing on new partners

Mergers and Acquisitions: Understanding the Impact on the Company’s Employer Sponsored Retirement Plan

When a business owner is looking to buy another company or sell their own company, very little attention is typically given to the employer sponsored retirement plan until the last minute, only to find out in the ninth inning of the deal that there is a minefield of problems that can cause buyers and sellers to walk away from the deal.  These problems range from compliance problems, to difficulties merging the plans after the deal is complete, to unforeseen tax events for your employees. This presentation will cover the following:

  • Stock sale: Impact on the plan
  • Asset sale: Impact on the plan
  • The buyers viewpoint: What to watch out for
  • The sellers viewpoint: What to watch out for
  • The special grace period for combining the plans
  • Compliance issues to watch out for
  • Asking the seller to terminate their plan
  • Unforeseen consequences for the employees
  • The most common problems after the acquisition is complete
  • Special rules that apply when companies have two different types of retirement plans
  • Case studies: Absolute disasters

Google, SEO, and Creating a Blog that Results in More Clients

This might seem like an odd topic for a financial planner to be presenting on, but I have been on the same journey that many business owners have been on; trying to attract more prospects to their company via Google search, blogging, and social media efforts. In September 2017, we only had 100 new visitors a month coming to our website, so we sought out a specialist in Google search and SEO and had them personally train us in each discipline. By February 2018, we had over 40,000 new visitors coming to our website a month.  In the past, we had only grown from traditional marketing, referrals, and word-of-mouth, but this new source of prospects is now growing exponentially and producing results beyond just attracting new clients. In this presentation I will cover.

  • Why traditional marketing is dying
  • Understanding Google search
  • New trends in how people are searching for information
  • New SEO tactics that work
  • Elements that you need to build your digital voice
  • What we learned on our journey to 40,000
  • Software and resources
  • Maximizing your time
  • The winning structure for blog articles
  • Measuring results
  • Doing it yourself or hiring professionals
  • The long tail strategy
  • Creating a niche: Perception is reality
  • Don’t assume you know how people are searching for you

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Investment advisory services offered through Greenbush Financial Group, LLC. Greenbush Financial Group, LLC is a Registered Investment Advisor. Securities offered through American Portfolio Financial Services, Inc (APFS). Member FINRA/SIPC. Greenbush Financial Group, LLC is not affiliated with APFS. APFS is not affiliated with any other named business entity. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.