Individual and Family Services
This wonderful age of increasing longevity has come with a financial downside – fear of outliving one’s assets during retirement. With a properly structured financial plan, such concerns are frequently unwarranted. Such plans typically include the following considerations:
Adjustments with life, career, legislative changes
Manage investments to
Ongoing portfolio management
Quantified income options
Integration with other
Inflate income to maintain purchasing power
Life, health, income
At DeVargas Wealth Strategies, each client is different. Our holistic approach to your financial health addresses retirement planning, investments, insurance, estate and tax considerations to help you work toward your most cherished goals. Long-term financial success begins with sound planning principles within the context of an increasingly complex financial world.
Do the corresponding features of your current plan interact in the most efficient manner possible? Do your beneficiary designations introduce unnecessary taxation to your heirs? Are your investments correlated directly to your projected retirement income?
Whole life, universal, term, indexed, variable, split dollar.
Which life insurance strategies are most suitable for you?
No financial plan is complete without proper methods of asset conservation, tax avoidance and transmittal to your heirs.
Have your asset forms of ownership and beneficiary designations been reviewed? Do they conflict?
Preparing for the costs of college for your children has become a top issue for parents and growing families. We help our clients save and invest towards being ready for the rising costs of education.
How much inflation in college costs should be expected by the time your eldest graduates from high school?
Are you ready for retirement? We are here to help. DeVargas Wealth Strategies will analyze and discuss various income generation sources and suggest that which addresses your personal situation.
We begin by forecasting your retirement timeline in consonance with the wants and needs that you define, then design and implement your plan per the risk parameters that we’ve agreed to, guiding you every step of the way.
Specifically, how much money on a monthly basis do you need to be confident of a retirement decision?”
Stocks, bonds, mutual funds, options, annuities, alternatives. An investment that may be a perfect match for someone else may not support your financial plan efficiently. Your investments should service your plan, not the other way around.
How much of your current IRA is needed for that Mediterranean cruise in five years? Do current market conditions introduce too much risk to your portfolio?
The time, energy and resources business owners classically devote to their enterprises often shortchange less immediate concerns. Retirement funding, enterprise protection and ultimate disposition are no less critical to long-term success.
A sampling of DeVargas Wealth Strategies offerings for business owners:
Conventional defined contribution
Recruit & retain key employees
With the broad spectrum of plans and features available, we can tailor a retirement plan to pursue your specific objectives. Reward for risk-taking, employee retention, tax savings, and retirement funding are but a taste of the objectives to be addressed by a properly tailored plan.
How much in taxes can you save with a tax-qualified retirement plan?
What would you like to achieve with your own retirement plan?
While tax-qualified retirement plans generally insist on the participation of all employees, there are lots of additional benefits available for owners and executives only.
Shouldn’t you be amply rewarded for your risk-taking?
When you retire would you prefer to sell your business or pass it on?
Business disposition alternatives are a function of the nature of the business and the desires of its ownership.
Buy/sell, apprenticeship, market sales and family succession strategies must all be considered within legal, tax, estate and market contexts.
What will your business look like in 15 years?
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The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states:
AZ, CA, CO, FL, ID, ME, MN, MO, NC, NE, NM, NV, NY, SC, TX, UT, WA, and WY