Sam Morales & Associates, Inc.

 Our Retirement Income Distribution Planning helps you navigate retirement's many dilemmas so you can relax and spend your days enjoying your family, hobbies and friends.

 

 Our clients are successful individuals and couples that are preparing to retire soon or have already retired. They worry if their money will last and they wish to receive a  lifetime of income that is adjusted for inflation, is tax efficient and avoids unnecessary market risk.  

 With over 20 years of experience and expertise in retirement planning, Sam can help you overcome the income challenges of a long retirement and help you protect your income.

www.MoralesWealthManagement.com

 

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Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

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Newsletters

HOT TOPIC: The Federal Estate Tax Is Back and May Be Here to Stay

The estate tax has been reinstated after being allowed to lapse in 2010. The new estate tax provisions are the most generous in decades — but they are temporary. A far more stringent estate tax is slated to take effect after 2012. Fortunately, a properly structured trust may help some families reduce their potential exposure to the estate tax.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

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