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Personal
Financial Planning CT
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with escalating incomes and appreciating assets find their financial
lives becoming increasingly more complex. As a Personal Financial
Specialist, we can assist our clients with the most crucial task of
planning personal finances, preserving capital and maximize after tax
savings. The following are examples of segments of the financial
planning process:
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Reviewing
will, recommending gift and estate planning strategies, including post
modem estate planning, such as disclaiming inheritance and alternative
valuation dates.
Family
Tax Planning: Advising a high tax bracket client of ways to
transfer funds to his or her teenage children in lower tax brackets.
Debt
Restructuring and Financing: Recommending methods and meeting with banks
to assist
a client to refinance loans.
Ownership
of Assets: Weighing the pros and cons of joint ownership for
a husband and wife, and recommending gift programs.
Tax
Shelters: Evaluating the advisability of a tax shelter and
appraising their investment attributes for a high-income client.
Withholding
Taxes: Increasing withholding exemptions to keep a salaried
employee's withholding of income taxes to a minimum.
Retirement
Planning:
Assisting client in establishing a portfolio &
stream of
savings that will provide retirement income sufficient to maintain
his or her standard of living. Also assist in asset allowcation.
Insurance:
Evaluating
coverage of existing policies and making recommendations.
College
Education: Helping
a family with several children plan a fund to meet tuition
requirements.
Tax
Planning and Preparation: Establishing an overall plan for a
client to obtain maximum after-tax income-well in advance of return
filing.
Stock
Options: Analyzing
various alternatives in the financing and tax treatment of the
exercise of non-qualified and incentive stock options.
Trusts:
Recommending
that certain appreciated securities be gifted to a trust for benefit
of the client's children when they reach 30 years of age.
Elder
Care: Structuring
a tax and financial plan that will assist a client to care for
aging parents.
Credit
Card Debt:
Assisting a client in restructuring credit card debt so as to make
the interest tax deductible and using lower interest credit cards.
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Fluent in Italian |
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991
Post Road East, Fairfield County, Westport CT 06880 Tel(203)227-1414
Fax(203)227-4472
wckcpa@sbcglobal.net
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