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ThE UlTImATE FINANcIAl STRATEGIES & SOlUTIONS

for moving forward. If it’s not a go for long term planning, then shake
hands and wish each other the best of success.

PReseRvIng WeAlth

If you have found someone you trust and who aims for you to have an
income for the rest of your life, you’re on the right road for a retirement.
This is the key to everyone’s portfolio of investments in the three phases
of money. Each client should have their goals for income aligned first
with the savings, income, and investments they desire.

PRoteCtIng Assets

We all have different needs for protecting our assets with multiple enti-
ties and goals for the future. An important decision is determining your
estate planning needs during life and after death. Today, we can protect
our estate from home health care and nursing home costs in new in-
novative ways. This avoids a huge risk for our financial longevity and
lifestyle. We also need to protect our accumulated wealth from estate
taxes. Simple key strategies can be put in place to protect your wealth
for many generations.

sAvIng on tAxes

Strategies to save on income taxes can be implemented each year de-
pending on a client’s Taxable Income, and overall profits from business-
es. The key to saving on taxes is having an advisor that communicates
with the CPA for several reasons. These include trades on investment
income, distributions, and taxable income. We have several clients tak-
ing advantage of one-time oil and gas tax deductions to offset gains
from investment property and Roth conversions this year.

ReAl stoRIes

Estate taxes are another critical area for high net worth clients and op-
portunities.

Recently, the Ultimate Financial Plan for an $11 million net worth client
solved several market and tax risks. A large trust company, brokerage
firm, and small CPA firm were not communicating, causing my client to
be unaware of current estate gifting rules. These gifting rules could pro-
tect their estate up to $5.2 million. Even more bizarre, the client discov-
ered from our planning and completion of a personal financial statement