Solutions for Individuals and Families

Financial Strategies Report
This service takes you through a structured process of questioning to determine your family's needs in the areas of emergency funds, retirement, college funding, loss of income due to death or disability and any other specific accumulation goals or needs. Your current financial position is then established and compared to your stated needs. Finally recommendations are made to help you start a structured plan of implementing solutions.
Goal Specific Report
This service focuses on a specific goal such as retirement, college funding, needs analysis for survivor income.

Estate Analysis Report
This service helps you determine your estate transfer expenses, including Federal and State estate taxation. It can help you determine the affect of a variety of estate transfer techniques (e.g.. trusts) and expense savings available through use of these techniques. 

Charitable Giving Planning
This service helps you explore how charitable giving techniques can be utilized to obtain tax deductions, save capital gain taxes, create income, reduce estate taxes, etc., while simultaneously benefiting a good cause or institution. 

This service helps you to develop an appropriate asset allocation model based on your personal volatility tolerance. This helps you to maximize your rate of return while keeping risk at levels that are personally tolerable. 

Retirement Planning
This service helps retirees to structure their portfolios to maintain an increasing income stream to offset inflation while not outliving their income stream. This service also helps persons seeking early retirement (prior to age 59½) to realize an income stream from their retirement plans without having to pay the Federal 10% penalty tax.

Life Insurance (fixed and variable), Disability Income insurance, Fixed and Variable Annuities, Long Term Care insurance, Major Medical Insurance, Mutual Funds,  Managed Accounts, Stocks and Bonds, Limited Partnerships, and  Individual Retirement Accounts (IRA, Roth IRA, Inherited IRA, Educational IRA), 529 College Savings Plans.

While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that Richard Orbis is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.