The answer is, it depends. We take a holistic approach to understand your family's expenses and what your retirement costs would look like, taking into account travel, health care, and daily living expenses. This distribution varies depending on taxes and where you live. Once we understand where you are today and what your goals are, we will then be able to give you more concrete answers for the future.
We always maintain a disciplined approach to asset allocation and scheduled, consistent rebalancing.* Decisions are made by carefully understanding and matching a client's goals, time horizon, and distribution schedule to the portfolio that most closely aligns with those.
*Asset allocation, diversification and rebalancing do not guarantee a profit or protection against loss.
We model these situations to determine whether your goal, the assets allocated to this goal, and the taxation of this account are all in line with your personal philosophy for college for your children. As for private schools, there are many ways to plan for this and an analysis of your specific situation would be necessary to make a recommendation.
Life insurance is the foundation of any risk management strategy. Depending on what your income and/or your spouse's income is, what you have saved in an emergency fund, intermediate goal funds, long term retirement funds, what debt you have, and what your annual expenses are, there is a way to determine if you have enough or too much life insurance.
Leverage is a way to help maximize the use of your money. Depending on where interest rates are and the rate of return on your portfolio we can discuss strategies to make the most of your investments. For legacy purposes, we can design plans where you may be able to maximize a gift, an inheritance, or a donation using a leveraging strategy and planning your gifting amount each year.
Unfortunately, we may have all had a family member who has had to endure a long-term care situation, or we may have even been a caregiver. Planning for this, we may be able to save our children and grandchildren from making decisions that could negatively affect taxes and/or reduce wealth significantly. We design plans that consider the amount of wealth you have and provide you with strategies designed to give you flexibility related to premiums, inflation protection, appropriate care needs, along with providing a legacy.
Accessing your Equitable account has never been easier. Through online access, you can view account values, make payments, transfer funds, rebalance your accounts conveniently and securely. To register, visit https://equitable.com/registration.
California Insurance License #: 0C79127
The Retirement Planning Specialist title is awarded by Equitable Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and Equitable Advisors' affiliated life insurance carrier, coursework for the certificate was developed exclusively for Equitable Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact us at firstname.lastname@example.org. Complaints about an Equitable Advisors FP should be directed to email@example.com.
Securities offered through Equitable Advisors, LLC (NY,NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered through Equitable Advisors, LLC, an SEC registered investment advisor.
Annuity and insurance products offered through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, and in PR as Equitable Network of Puerto Rico, Inc. Equitable Advisors and its affiliates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances. Individuals may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.
Hawkins Laakso Group is not a registered investment advisor and is not a registered investment advisor and is not owned or operated by Equitable Advisors or Equitable Network.
For more information about Equitable Advisors, LLC you may visit equitable.com/crs to review the firm’s Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure. Equitable Advisors and Equitable Network are brand names for Equitable Advisors, LLC and Equitable Network, LLC, respectively.
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