You have a partner who’s well-qualified to advise you on all facets of your financial life. From retirement planning and portfolio management to small business retirement and investment tax planning, you and your goals are our priority.
Our financial advice focuses on retirement income planning, helping to ensure that your spending needs will be met over multiple decades, even with future inflation.
Our “Filling the Gap” analysis helps you fulfill your spending needs that are not covered by Social Security and pensions, while also helping determine how much of your retirement portfolio should be invested towards generating monthly income.
If your spending needs are already being met through your current income, pensions or Social Security, we’ll shift our retirement planning to focus on reinvesting portfolio income and developing a growth-oriented strategy for capital appreciation. At the end of the day, we’re working for you no matter where you are in life.
See how we help retirees before retirement and during retirement with the tools below.
Tools To Help You Plan
Income Portfolio Management
Your custom-designed portfolio is carefully crafted by your advisor to meet your risk tolerance, income needs, time horizons, and overall objectives, typically managed with a blend of both income- and growth-oriented investments.
When you retire, you will need a steady cash flow to meet your daily needs and live out your dreams. While focusing on capital preservation, we aim to provide regular and consistent income options.
Our Income Investments Include:
- Closed-End Funds (CEFs)
- Master Limited Partnerships (MLPs)
- Energy Royalty Trusts
- High-Yielding Dividend Stocks
- Individual Bonds
- Fixed Income Exchange Traded Funds (ETFs)
- Bond Funds
- Individual Convertible and Preferred Securities
Growth Portfolio Management
Your individualized portfolio is custom designed by your advisor to meet your risk tolerance, income needs, time horizons, and overall objectives, typically managed with a blend of both income- and growth-oriented investments.
By combining economic and market research, your advisor will make informed decisions about where your portfolio can be most strategically allocated. The process begins with understanding the current economic and stock market environment both domestically and abroad, then identifying which areas of the market we believe are undervalued to guide our investment strategy.
Our Portfolios Consist of:
ETFs (Exchange Traded Funds)
Individual Large Cap Stocks
Small Business Retirement
We understand running a business is a full-time commitment, so we’re here to make it easy to set up a retirement program for your hardworking employees. Click here to schedule some time to set up your program.
Benefits Administration, Inc. selected an outstanding program for our clients from First Mercantile Trust.
Investment Tax Planning
Your financial strategy should encompass both your investment strategy and your tax planning. Working with our affiliate, Capital Accounting & Tax (CAT) will help you maximize your overall net after-tax returns.
Tax codes and regulatory laws change constantly. This can make it difficult to stay up to date, and even increase the risk of inaccurate tax filing.
Capital Accounting & Tax will provide experienced and current tax and financial guidance to help you understand the changes and address your financial worries.
You will have direct access to the expertise of Capital Accounting & Tax. With our offices located in the same building, we make connecting these two important financial strategies simpler.
CAT’s services and fees are separate and independent from CIA’s advisory services and fees. Any reduction in taxes depends on your personal tax situation.
All investments involve risks, including possible loss of principal. An Advisor’s judgment about markets, interest rates or the attractiveness, relative values, liquidity, or potential appreciation of particular investments is important to the portfolio accomplishing its goals. The portfolio could experience losses if these judgments prove to be incorrect. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. For stocks paying dividends, dividends are not guaranteed, and can increase, decrease or be totally eliminated without notice. Fixed-income securities involve interest rate, credit, inflation, and reinvestment risks; and possible loss of principal. As interest rates rise, the value of fixed-income securities falls. Global investing can involve additional risks, such as the risk of currency fluctuations. Diversification can reduce (but not eliminate) the risk of loss. Please see our ADV Part 2, Item 8 for more information about investing risk. Past performance does not guarantee future results.