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Services

How We Work

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial & tax concepts and investment products, and take the mystery out of investing, taxes, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on the financial and income plan, as well as other issues that are critical to your financial well being.

Investments Management

Bonds

Common Stock

Exchange Traded Funds

Mutual Funds

Treasury Bills

Government Securities

Collateralized Mortgage Obligations

Treasury Notes

Limited Partnerships

Real Estate Investment Trust


Financial Planning & Tax Planning

Retirement Plans

Tax Plannning

401(k) Planning

403(b) Planning

College Plans

Estate Plans

Money Purchasing Plans

Profit Sharing Plans

Advanced Income Segmentation

Traditional IRA

Roth IRA

SEP IRA

Simple IRA

Brokerage Accounts

Insurance

Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

Annuities

Medicare

Medicare Advantage

Educational Classes

Educational Classes

We offer educational classes at universities, libraries, and community centers across the Midwest and vitual courses for viewing in any state! Our courses teach a disciplined approach to financial planning and retirement investing.

  • Taxes in Retirement
  • Passport To Retirement
  • Savvy Social Security Planning
  • Savvy Tax Planning
  • The New Tax Law
  • The Secure Act
Financial Planning & Tax Planning

Financial Planning & Tax Planning

Financial plans for our clients are designed to protect against one of the greatest dangers they’ll face — taxes. Every financial plan has 3 pieces: 1: Tax plan 2: Income Plan 3: Invesetment Plan.  Regularly we meet with individuals who have saved and invested their entire career only to realize their assets and retirement are put in jeopardy because of tax erosion, not having a plan to generate income or having the wrong investments to accomplish their goals.

Our team of experienced advisors works with you in clearly defining your goals, properly analyzing your current financial assets, then building an actionable long-term plan to help ensure a desirable outcome.

Investment Management

Investment Management

Our wealth management team has over 100 years of combined experience managing investments. We specialize in efficient (cost, tax, etc.,) risk managed investing combining traditional and alternative strategies. Our investment portfolios use the least costly investments available, use a combination of passive buy and hold strategies with our actively and technically managed portfolios and alternative investments to create a portfolio that has the optimal risk/return ratio for you. 

Retirement Income Planning

Retirement Income Planning

Using the latest in retirement income projecting software, we’re able to put together custom retirement income plans that are low cost, efficient, and flexible.  How does it work?

Reduce investment expenses

Reduce your risk of running out of money

Claim Social Security in a way to maximize cash flow

Use Roth conversions to your advantage

Coordinate your sources of income in a tax efficient way

Social Security Planning

Social Security Planning

When planning on how and when to take Social Security it is important to consider its impact on your entire financial plan. Previous generations typicaly took their Social Security benefit as soon as it was offered. With a shorter life expectancy, a pension, and less variables this was usually the best option. Now with longer life expectancies, a lack of pensions, and a greater emphasis put on individual retirement plans it is important to develop a personalized strategy.

Legacy Planning

Legacy Planning

People spend a lifetime accumulating assets and building an estate with the intention of passing it on to their heirs or charitable beneficiaries. Without proper planning, a person’s death can create significant hardships on the people for which the estate was created.

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

Sherry.Clark@ceteraadvisors.com |  248-556-4600