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    Altruist Investing Platform

    Tax planning?

    Why should we bother with financial planning at this stage of life?

    What's the deal with life insurance?

    Altruist helps you stay connected with your investments and your financial advisor. Download the app to view and track the progress of your financial life so you can feel good about your money.

    • View performance with key metrics like account balances, time-weighted returns, and earnings

    • Stay on top of transfers, deposits, withdrawals, and other important transactions

    • Gain insight into your investment allocations, including a detailed breakdown of exactly what you own

    Altruist is only available by invite from your financial advisor. If you’ve already created your account, download the app and log in to get started today.

    Effective tax planning can accomplish much more than just saving income taxes for the current and future years. If done properly, effective tax planning can maximize the amount of funds you will have available for retirement, reduce the cost of financing your children’s education, reduce eventual estate taxes, and assist you in managing your cash flow to help you meet your financial objectives.

    In some years your tax planning goals may include deferring some of your current year’s tax liability to a future year, thereby freeing up cash for investment, business, or personal use. This can be accomplished by timing when certain expenses are paid or controlling when income is recognized. Tax planning allows you to take advantage of tax rate differentials between years. However, if tax rates rise in a subsequent year, it might make sense to consider accelerating income into the current tax year. It is important to consider all facts and circumstances when doing tax planning.

    Over the past 15 years, the “advised” investor segment of America has grown from 35% to 47%, while those who consider themselves “self-directed” have fallen from 41% to just 24%. Investors are recognizing the value of advice to navigate complicated choices. They realize it comes at a price and they are more than willing to pay.

    The reason is simple: FINANCIAL PLANNING WORKS! The truth is that one misstep can permanently handicap your new-worth. It’s also true that one great opportunity can permanently boost your net-worth. Financial planning makes sure you avoid the mistakes and capitalize on the opportunities.

    Life insurance is an important piece of most financial plans. Life insurance is not an investment, it is insurance against your death (“death insurance” just didn’t have the same ring to it). The insurance industry often tries to cross-sell into the investment channel because doing so is so lucrative for the insurance companies.

    However, we highly recommend going to an insurance company for your insurance needs and going to an investment company for your investment needs. Your advisor will assist you in determining the appropriate amount of insurance for you.