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GENERATIONAL
PLANNING

Taking Steps to Fulfill Your Wishes

The legacy leave behind touches many lives. There are many factors in fulfilling those dreams.

The Many Ways to Design Your Legacy

The Many Ways to Design Your Legacy

Estate Planning Coordination

Ensuring your assets are distributed according to your wishes is a critical component of comprehensive retirement planning. We help you navigate the complexities of estate planning, working in conjunction with estate planning attorneys to create a strategy that aligns with your goals. This includes:

  • Reviewing and Updating Beneficiary Designations
  • Discussing Various Trust Options
  • Considering Strategies to Minimize Estate Taxes
  • Addressing Non-financial Aspects of Your Legacy


Our role is to ensure that your estate plan integrates seamlessly with your overall retirement strategy, providing peace of mind for you and your loved ones.

Other Generational Concerns

When it comes to business retirement plans, there are many options to consider, each designed to fit different needs and goals.


Long-term Care Planning

Planning for potential long-term care needs is an often-overlooked but crucial aspect of retirement planning. We help you understand the potential costs associated with long-term care and develop strategies to address this significant financial risk. This may include:

  • Exploring long-term care insurance options
  • Considering hybrid policies that combine life insurance with long-term care benefits
  • Discussing strategies for self-insuring


We'll help you weigh the pros and cons of different approaches, taking into account your health history, family situation, and overall financial picture.


College Funding

Parents and grandparents have many options when it comes to helping with the increasing costs of college education.

We can explore the pros and cons of:


  • 529 Plans
  • ESAs (Educational Savings Accounts)
  • Custodial accounts, and more.


Special Needs

Individuals with special needs face a number of challenges surrounding finances. We can help navigate the complexities of Special Needs planning.


Gifting Strategies

If you’re interested in gifting to family, have you considered gifting investments, life insurance, or property? Let’s discuss the rules and pitfalls of various gifting strategies.

WE OFFER GUIDANCE FOR EVERY ASPECT


Other Resources We Can Help You With:

  • Overall Wealth Management
  • General Retirement Planning
  • Social Security Optimization
  • Insurance Options
  • and more...

Cetera Investment Services LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.

Trust Our Professional Team to Guide Your Future

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