Financial Planning Services
Make confident financial decisions leading up to and through retirement
You deserve to have complete confidence that your financial plan will hold steady leading up to and through retirement.
Align the lifestyle you desire in retirement with your money so that you may focus your time and energy on the things in your life that matter most.
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 retirement roadmap, which will serve as your financial game plan that confidently carries you to and through retirement.
Ready to take the guesswork out of your financial future?
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 typically partners with clients 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 a blended (tiered) fee structure 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.
The following is our fee schedule applied to the various tiers of assets under management.
Portfolio Balance | Annual Fee |
|---|---|
First $500,000 | 1.00% |
$500,001 – $1,000,000 | 0.80% |
$1,000,001 – $4,000,000 | 0.60% |
$4,000,001+ | 0.40% |