Estate preservation is not just for heirs and it's not just for the wealthy. It's important for everyone who depends on their assets for income or financial security.
One of the most obvious ways to preserve and protect your estate is to have a prudent insurance plan to protect your assets from financial catastrophes.
Another strategy is to avoid unnecessary taxes and large investment losses. We suggest taking no more risk than necessary to accomplish your goals. Chasing higher investment returns often leads to disaster.
And of course a carefully designed estate plan is very important. For that job we recommend that you consult an attorney who specializes in estate planning.
Education funding is a major expense and a high priority goal for many parents. And since most families have limited resources it often competes with retirement planning. Some families may believe it is impossible to help their kids through college and prepare for retirement at the same time.
It’s difficult to do both, but it’s not impossible, and we believe that it is unwise to put retirement on the back burner until the education funding is completed. Time is not on your side, and the longer you wait to begin saving for retirement, the less likely it is that you will succeed.
There are many ways to legally reduce taxes but you may not learn about all of them from your tax preparer. A good CPA or tax preparer won’t let you miss many deductions or credits, and they will probably explain the benefits of IRAs and other tax-deferred retirement plan. But they may not help you manage your routine financial transactions so as to minimize taxes.
We don't prepare tax returns but we do offer certain products and strategies that could help you protect your income and assets from unnecessary taxation.
C. Thomas Thames tel: 916-779-4999 email: email@example.com
Elk Grove, CA Folsom, CA Regus Office Locations throughout the state of CA
California Insurance License: 0494276
Disclosures: At Thames Financial & Insurance Services our goal is to help our clients achieve their financial objectives. We recommend and sell insurance and annuity products but we also recommend diversification and we believe that many people should have some assets that may involve investment risk. Tom Thames may receive company paid commissions for the sale of insurance and annuity products and may receive fees for certain tax services. All fees are disclosed in advance. This website is not used to provide or offer investment products or investment advisory services. For information about investment services please contact Tom at 916-779-4999 or firstname.lastname@example.org
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment advisor representatives of Horter Investment Management may only conduct business with the residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through C. Thomas Thames, California insurance license 0494276. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade and Nationwide Advisory Solutions.