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Wealth Management Services

Wealth Management for Retirees

If you are close to retirement or recently retired, wealth management services will help you answer these critical questions:

Am I paying too much in taxes?
Are my investments set up correctly for retirement?
Are my assets protected and will they pass on according to my desires?
Have I made the correct plans for Social Security, Medicare, or other retiree benefits?

Answers to these questions (and more!) are part of a wealth management plan, which will align your overall financial situation with your unique retirement goals and objectives.

Ready to take the next step?

INVESTMENT MANAGEMENT

We believe in low-cost exchange traded funds (ETFs) to minimize investment costs and maximize tax-efficiency in your portfolio. This enables you to keep more of the gains you get from the markets in your pocket.

We also believe aligning your investments with your unique goals and comfort level around risk is what enables you to stay invested for the long-term. That’s why we use cutting-edge risk tolerance technology to identify your acceptable levels of risk and reward.

Built on a Nobel Prize-winning framework, your Nitrogen “Risk Number” identifies your acceptable levels of risk and reward, which helps create the roadmap for meeting your retirement goals.

TAX PLANNING

Create a proactive, year-round tax strategy that reduces your lifetime tax bill…and keeps more of YOUR money in YOUR pocket.

Income tax strategies retirees should consider may include, but aren’t limited to, the following:

  • Tax-efficient investment portfolios using index-based exchange traded funds (ETFs)
  • Qualified Charitable Distributions (QCDs) as a charitable giving strategy
  • Avoidance of higher Medicare premiums (IRMAA) 
  • Maximizing marginal tax brackets

In addition, we can create a simplified tax report to help you make sense of your income tax return.

Risk Management

Inflation. Health. Taxation. Longevity. Liquidity. Markets.

These are all risks retirees must manage.

Wealth management helps retirees prepare for and navigate the risks above.  

Clearly, risk management goes beyond insurance.

But when insurance is advisable, we’ll work together with trusted professional(s) to make sure you have the necessary coverage.

Because we don’t sell the product, the solution is crafted with your best interest in mind!

ESTATE PLANNING AND ASSET PROTECTION

Wills. Powers of Attorney. Living Wills. Trusts.

Working alongside a trusted attorney, let’s identify your goals and desires so that when something happens to you, your family or other desired beneficiaries will be taken care of.

Proper legacy planning ensures your impact continues beyond your lifetime.

ONGOING ADVICE

Circumstances change. Goals may change. Markets become volatile.

Life will happen. We just never know when.

For that reason, Justin Rush partners with retirees on an ongoing basis, not a one-time engagement.

FEES

Excessive fees could cost you thousands of dollars throughout retirement.

Do you ever wonder what you’re paying your broker or advisor? If you don’t know, you’re probably paying too much.

If your broker or advisor fees are more than 1% of your account value per year, you’re paying too much. 

If your portfolio isn’t primarily composed of index funds, you’re paying too much.

With fees based solely on the value of assets under management and reported to you on a quarterly billing statement, you will always know what you pay JGR Financial Solutions.

Our percentage of fees actually DECREASES as your wealth grows.

Account Balance
Annual Fee
$0 – $500,000*
1.00%
$500,001 – $1,000,000
0.80%
$1,000,001 – $4,000,000
0.60%
$4,000,001+
0.40%
*Minimum annual fee is $5,000 ($1,250 quarterly)

Ready to Take the Next Step?