Wealth Management

PLANNING

Education

Many education plans today offer tax advantages that lessen the financial burden by reducing the amount you need to save. Educational costs have been increasing at a rate greater than the general level of inflation. We cannot control these increasing costs, but we can help you effectively save using the right type of plan.

 

Factors to Consider:

  • What is the potential for growth and risk of loss within your plan?
  • What are the tax implications of your plan?
  • Who has ownership and control of the assets within the plan?
  • How easy will your plan be to manage?

 

Types of Savings Plans

  • 529 plans
  • Education savings bonds
  • ESAs
  • IRAs
  • UTMAs

 

A Ziegler financial advisor will guide you through the myriad of investment vehicles available and help you choose the right strategy to suit your needs.

 

 

Ziegler does not provide tax advice. Please consult your tax advisor on tax-specific matters. Our planning services are not financial planning (unless they are specifically called investment consulting services). They do not create an investment advisory or a fiduciary relationship (including under ERISA) between you and B.C. Ziegler and Company. Investment consulting services are offered at Ziegler through investment advisory programs and are not available through traditional brokerage accounts and products. B.C. Ziegler and Company is both a broker dealer and a registered investment advisor and it offers both brokerage and investment advisory services.

Retirement

Re-tire-ment. Defined as the “withdrawal from one’s position or occupation or from active working life.” Today’s retirees are redefining the term. Ziegler believes retirement can be defined in a number of ways—“a new beginning, the start of a new business, heading back to school, traveling the world, helping family, community involvement.” Whatever your definition of retirement is, it’s never too early or too late to begin planning.

 

STAGES OF PLANNING

 

If You're Starting Out
The number one rule to retirement planning is that it’s never too early to start saving. A Ziegler financial advisor can customize a strategy to get you started, working with you to align your spending, saving and investing strategies.

 

Wealth Accumulation
As your family grows, your earnings may increase, but you will also have more demands on your income. Family related expenses, home purchases or improvements, vacations and college savings, might all overshadow your plans for retirement savings. A Ziegler financial advisor will customize a strategy so you don’t lose sight of saving during this stage of your life.

 

Living in Retirement
Throughout your life you’ve worked, you’ve saved, you’ve accumulated wealth within your plans, but now what? How do you transition your wealth into income to cover your living expenses? Consolidating the multiple retirement accounts you may have can help you better manage your assets, maximize tax advantages and take timely distributions. A Ziegler financial advisor will help guide you to successfully manage your income in retirement and preserve the wealth you've accumulated—for yourself and those you care about most.

Estate

Many people believe estate planning is only for the wealthy—a belief that is simply not true. Estate planning is an essential part of any financial plan. In fact, you should have an estate plan to dictate your final wishes. Your estate plan should be structured to achieve your personal objectives and maximize wealth passed on to heirs and charities, while minimizing taxes and other expenses.


Factors to Consider:

  • Who should receive your assets: children, grandchildren, friends, charity?
  • Are you willing to transfer your assets during your lifetime?
  • Whom do you want to take care of your children?
  • What are the needs of your survivors?
  • Do you have the needed estate planning documents established?
  • Do they meet your current personal objectives?
  • Are they structured properly to minimize taxes and expenses?
  • Do you have appropriate beneficiary designations on your life insurance policies and retirement plans?
  • How are your major assets titled? Are they solely or jointly owned?
  • Do your assets automatically transfer to the survivor upon your death or do they pass through your will?
  • Is your estate balanced to effectively minimize estate taxes?

 

Types of Estate Planning:

  • Charitable and Family Foundations
  • Charitable Remainder Trusts
  • Direct Giving
  • Family Trusts
  • Gift Trusts
  • Life Insurance Trusts
  • Revocable Living Trusts

 

A Ziegler financial advisor will assess your current situation, and help you determine if there are actions you can take to plan for your heirs, carry out your wishes and minimize taxes paid by your estate.

Tax

Tax planning usually involves strategies to minimize your income tax liability by deferring income, maximizing deductions and/or selecting tax-advantaged investments. A Ziegler financial advisor can work with your tax advisor to determine the best strategy for your financial goals.

 

Through your Ziegler financial advisor, you have exclusive access to tax-advantaged, fixed income products for your portfolio. Many of the bonds underwritten by Ziegler are exempt from both federal income taxes and income taxes within the state of issuance.

 

A Ziegler financial advisor will assess your portfolio to determine if you could benefit from tax-advantaged investing and recommend a specific strategy to help you meet your goals.