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We anticipate and help alleviate life’s financial challenges

When we develop your Archetype Financial Blueprint™, our Archetype advisors have the background and the expertise to uncover issues, anticipate challenges, and build in contingencies during the planning stages so that you have a solid foundation for every life stage.

Problem
Solution

Estate Planning

Issue

Are you certain that your assets will pass to your desired family members or organizations, and that your incapacitation documents are in place?

Action

Your Archetype advisor will discuss critical estate documents including your will, living trust, power of attorney, and living will. We also will carefully consider trustee (and successor) for surviving spouse, charitable requests, and repercussions of federal and state taxes. We work with you and your legal advisor/attorney.

Impact

By having an estate plan in order, your estate will pass to the desired recipients, and assets can be left to heirs with your provisions/restrictions in place. In addition, different states have different tax laws that may affect your choices.

Income tax

Issue

Can tax efficiencies be put into place right away? For example, could you benefit from setting up an S corporation or from other savings, investment, and reinvestment vehicles?

Action

Your Archetype advisor will assess your complete financial picture and may ask you to consider changing your election to reduce your basis for non-deductible expenses. Retirement strategies may be used to significant advantage.

Impact

Making the most intelligent usage of earnings, investments, and assets across all areas of your finances can reduce your current federal income tax.

Retirement

Issue

Are certain ways of saving for retirement more tax-efficient than others?

Action

Strategy can make a critical difference in how much of your retirement savings you keep. When building your financial blueprint, your Archetype advisor will discuss the benefits of Roth conversions, review provisions of possible profit-sharing plans, and help you assess options such as increasing your after-tax contributions to IRAs or S corporations, or increasing your after-tax contributions to IRAs. We will take into account the possible ramifications of state, federal, and even global legislation.

Impact

Saving in tax-efficient vehicles can decrease current and future tax liability.

Insurance

Issue

If you are a business owner, do you maintain enough coverage, and do you understand your potential liabilities?

Action

Your Archetype advisor might recommend that you purchase small business liability insurance or a blanket policy.

Impact

Having adequate business insurance will protect vulnerable personal assets that could significantly affect your ability to retire.

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