R.A.T.E. System
Senior Retirement Planners and affiliates provide clients with access to highly skilled financial advisors, tax attorneys, estate planning attorneys, accounting professionals, and other affiliates. Our firm advises our clients on advanced wealth management strategies in order to create and grow wealth.
Access to our entire team of strategic partners
Our clients are surrounded by a highly skilled team of advisors that are industry leading experts in the fields of Retirement Income Generation, Asset Accumulation, Tax Planning, and Estate Planning. Senior Retirement Planners advisors design, facilitate, and oversee the implementation of a customized Wealth Management Plan for each client.
Our Wealth Management Plans are designed around our R.A.T.E. system, consisting of four key criteria:
- Retirement Income Generation - If income will be needed now or in the future, our plans provide for maximum retirement income derived from each investment dollar. This is our first planning priority; when will you need income, and how much income will you require? Once we know that your income needs will be met for your lifetime, we proceed to our second key criteria.
- Asset Accumulation - Most of our clients want their assets to grow at a rate no lower than the Rate of inflation. In addition, if you will be taking income, it will be important for your assets to continue to grow enough to support those income needs into the future. This growth should be protected from the ravages of a violent stock market. Accordingly, we seek three attributes in our clients' assets:
Safety - store assets in investment environments that have minimal risk of loss.
Liquidity - ensures investment assets are accessible based on predictable timelines.
Rate of Return - generate predictable, consistent, and logical rates of return from investments. - Tax Efficiency - We seek to minimize tax consequences on our investments before, during and after retirement.
"There are two tax systems in America; one for the informed, and one for the uninformed."
-Judge Learned Hand
There are many tools and techniques available to the informed investor to minimize or eliminate many of the taxes paid by the uninformed investor. We incorporate tax saving strategies in all of our planning. - Estate Tax Planning - When we reach the end of our lives, most of us want to pass our assets to those we care about in the most efficient manner, with the least cost and the least taxes due. Accomplishing these objectives often requires planning in advance of the triggering event. We offer access to teams of nationally recognized estate planners. We can show you why the Federal Estate Tax is a voluntary tax, which you may choose not to pay.
We look forward to working with
you and your family. If you have
any questions or comments,
please feel free to give us a call at
817-569-7600.