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TThe foundation of all estate planning should be a well thought out & sound chronic illness plan. Seeman Holtz understands through years of experience that there is no greater emotional, psychological or financial threat to retirement than long-term chronic illness. Almost all families have been dramatically affected or are currently dealing with chronic illness issues. The statistics on long-term care continue to rise as life expectancy continues to increase. Regardless of your income or assets, a chronic illness or Medicaid plan can be designed to provide your retirement with security and peace of mind. Chronic illness planning is one of the specialties that Seeman Holtz offers its clients. Chronic illness plans developed for clients always take the following factors into consideration: There is no one plan that makes sense for everyone. Seeman Holtz provides planning that is individualized and custom to meet the specific needs of each client. Seeman Holtz specializes in various techniques that can protect the assets of clients from chronic illness without having purchasing long-tem care insurance. Long-term care insurance works in very specific situations, but does not work in most situations. There are numerous planning strategies that can offer financial protection from the devastation of chronic illness without costly insurance products. All seniors deserve peace of mind that comes from having addressed the potential threat of chronic illness. If a chronic illness plan is not a part of your current retirement plan, allow Seeman Holtz to show you various customized planning options that make sense with your specific situation.
Investment philosophies vary greatly among seniors. In fact, investment philosophies should, and often will change throughout the span of the retirement years. As an example, the primary concern of most new retirees is, “Do I have enough money saved/invested to maintain my lifestyle for the remainder of my life”? These concerns may never diminish as retirement progresses, but it is often joined with additional financial dilemmas, such as “How can I structure my assets to best help my family and charities”? Seeman Holtz also addresses the many other common financial concerns for retirees, such as:
Accordingly, Seeman Holtz is fundamentally committed to:
Seeman Holtz is dedicated to providing seniors with the most effective tax counseling strategies available. Most Seeman Holtz clients fall into two categories:
2. SENIORS PAYING TOO MUCH IN TAXES Seniors in category 1 that need more income can do so utilizing many of the Seeman Holtz strategies available, and at the same time, without increasing their taxes. Seniors in category 2 that are already paying too much in taxes can alleviate the burden without having to passing it off onto others. Additionally, many seniors who currently own fixed or variable annuities amy have significant deferred taxes accruing. Seeman Holtz has many strategies that can properly address these accruing taxes. The IRS, on the other hand, would like seniors to simply pass-on these accrued taxes to other family members/aires because they are usually in a much higher tax bracket.
Estate planning is a core component to all strategies developed by Seeman Holtz. Estate planning affects all aspects of retirement planning for the following reasons:
Additionally, estate planning is not simply the avoidance of probate. The avoidance of probate is simply the easiest goal to achieve. The expertise offered by Seeman Holtz involves the best senior strategies to preserve, maintain, transfer, and increase wealth. |
