Retirement Planning Services | Our retirement planning services are designed to allow you to identify your specific retirement goals and develop a plan to help you achieve them. We assist in managing all aspects of your transition from working to retirement, such as balancing the need for a predictable cash flow and your desire to leave a legacy. You also have the flexibility to adjust your plan as necessary to financially support your desired pre- and post-retirement lifestyle.
Tax Planning Strategies* | While there are many different tax management strategies to consider – such as tax loss harvesting, charitable giving, tax efficient income, exemptions and deductions – the ideal place to start is determining the changes that will be best for your overall unique situation. With your overall portfolio strategy and long-term objectives in full context, there are several proven tactics you can use to seek to minimize tax liabilities.
Our team will provide you with an independent investment perspective on various tax and estate strategies you may be considering and refer you to qualified tax specialists. We also suggest talking to your tax advisor.
Estate Investment Planning Strategies** | We will review your current estate plan to ensure it is up to date and properly structured to protect you, your family and your wealth. This includes planning for the successful transfer and distribution of your assets so you know your family members will be cared for and your wishes will be followed. Our team will help you integrate your investment and estate plans, or evaluate potential strategies from a tax perspective as a component of wealth transfer planning.
Education Funding | We provide analysis to enable you to determine approximate costs and identify the best tax-advantaged funding solution, whether a 529 Plan, an Education IRA (also known as Coverdell), a Custodial Account, a Children's Trust, or another method.
Risk Management*** | Insurance protection is a crucial component of a comprehensive, long-term financial plan. Because your financial future depends on a variety of uncontrollable circumstances, we provide you with access to a wide range of insurance coverages that can protect your financial security by helping with unforeseen costs and losses. These include disability, life and long-term care insurance. We will also review your existing insurance policies.
Investment Planning | We help clients develop a strategic and tactical portfolio asset allocation which seeks to reduce risk and enhance potential returns. That’s because a properly allocated portfolio is more likely to participate in long-term market gains while reducing exposure to short-term market volatility.
Alternative Investments**** | We also offer qualified purchasers the opportunity to participate in private capital, private real estate, and other alternative investment vehicles.
Business Advisory Services | We work with you and your other professional advisors to assess your unique situation and recommend investment strategies designed to increase your business valuation and personal net worth. If you’re growing, buying or selling a business, we will explain the wide scope of alternatives and assist you in making complex investment decisions.
Employee and Executive Benefits | A proper benefits plan is an important recruiting and retention tool. We help you review the benefits your business offers – including retirement, health care, stock incentive plans, nonqualified deferred-compensation plans and employee-retention strategies – from the perspective of both employer and employee.
Access to Banking and Lending Products Through Wells Fargo Affiliates***** | Through Wells Fargo affiliates we can provide access to securities-based financing, residential mortgages, home-equity financing, business financing, and credit cards.
Charitable Giving | Ranch Investment Consulting Group helps individuals and families define their charitable and philanthropic objectives, in addition to offering potential strategies to help achieve those goals in a tax-advantaged manner.