Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.

• We identify the values and beliefs most important to you and your family.
• We establish a clear set of short & long-term financial goals based on your values & beliefs.
• Together, with your tax, legal and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.

A well rounded financial plan examines your total financial picture: your current financial position, risk management, investment planning, retirement planning, tax planning, and estate planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals.

Some of our Financial Services include the following, but not limited to:

• 403B / 457 Not for Profit Set Up
• 403B / TSA Plans
• Annuities
• Asset Protection
• Charitable Giving
• College Funding
• Estate Planning
• Fixed Indexed Annuities
• Guaranteed Income
• IRA & 401(K) Assets and Planning
• IRA, 401(K) and 403(B) Rollovers
• Lifetime Income Planning
• Retirement Income Planning
• Safe Money Options
• Social Security
• Veterans Benefits
• Wills, Trusts, Estates

Tax planning is often a forgotten part of retirement planning. This is an important step in the planning process, which is why Senior Tax & Insurance Advisors, PLLC Advisors have in-house tax planners.

Some of our Tax Services include the following, but not limited to:

• Tax Advisory
• Tax Planning
• Tax Minimization Planning

Complete Personal Income Tax Preparation: We constantly keep up to date with the current tax codes and utilize some of the most sophisticated tax preparation software in the industry.

Tax Preparation

Our firm offers professional preparation of all federal, state, and local tax returns at competitive affordable rates.

IRS and State / Local Representation

Our staff knows the tax laws, and we know how your tax return was prepared. We can provide complete representation services before the IRS as well as state and local authorities. We are also experienced in negotiating in Compromise with the IRS and various States.

Tax Planning

We continuously monitor federal, state, and local tax law changes to allow our clients to minimize current and future tax liabilities. If necessary, we can implement tailor-made due-date tax compliance monitoring systems to prevent costly interest and penalty assessments attributable to late filing. Of course, we offer full tax preparation and filing services.

Sales Tax Services

Our firm prepares all sales tax filings and offers full sales tax audit representation.

Estate, Gift and Trust Tax Return Preparation

We provide expert preparation of federal and state estate, gift and trust tax returns.

We are Senior Tax & Insurance Advisors, PLLC professionals. We take the time to get to know each of our clients. When it comes to retirement, we seek to answer the following five questions:

1. What do you visualize yourself doing on your journey through your golden years?
2. How are you going to position your life savings to provide funding for your vision?
3. How can we position those assets in a way that provides you confidence and peace of mind?
4. What are you going to do when and if the unexpected happens?
5. What will happen to your assets when it’s time for you to pass on?

Some retirees underestimate the impact a big market loss may have on the future of their income. Luckily, insurance can be used to protect more than just your physical assets. It can also be used to help protect your future. Our firm specializes in helping individuals safeguard their retirement nest eggs by offering a variety of insurance products and financial planning strategies.

Some of our Insurance Services include the following, but not limited to:

• Accident Insurance
• Critical Illness Insurance
• Dental Insurance
• Disability Insurance
• Final Expense Life Insurance
• Funeral Trust Insurance
• Health Insurance
• Homeowners Insurance
• Indexed Universal Life Insurance
• Life Insurance
• Living Benefits Insurance
• Long Term Care Insurance
• Medicaid Crisis Planning
• Medical Travel Insurance Single
• Medical Travel Insurance Group
• Medicare Insurance
• Medicare Supplemental Insurance
• Mortgage Protection Insurance
• Short Term Major Medical Insurance
• Vision Insurance

Estate planning and creating a legacy are on the top of most retirees’ minds. Estate planning is the art of making sure your loved ones still talk to each other after you pass on. Leaving an unplanned estate can destroy the strongest of family units. Make sure you take the time to build this important element into your comprehensive Retirement Plan.

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs. For example, you may have a small estate and may be concerned only that certain people receive particular things. A simple will is probably all you’ll need. Or, you may have a large estate, and minimizing any potential estate tax impact is your foremost goal. Here, you’ll need to use more sophisticated techniques in your estate plan, such as a trust.

What is Medicare and What Does it Cover?

Medicare is the federal health insurance program for people who are 65 or older, or those under 65 who may qualify because of a disability or another special situation. Medicare helps millions of American seniors and disabled individuals cover some of their health care costs.

Some of our Medicare Services include the following, but not limited to:

• Medicare Insurance
• Medicare Supplemental Insurance
• Medicaid Crisis Planning

We will create a plan to help you address rising health care costs with a minimum of expense, including:

• Looking at all aspects of Medicare, Parts A, B and D
• Analyzing options for a long-term care plan

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, our goal will be to help you:

• Maximize your estate and income tax planning opportunities
• Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
• Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death