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Services

Explore how we plan to help you make the most of your money while pursuing your goals.

Financial Planning

The Big Picture

You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently, and at different times in your life. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be.

We’ll Ask Lots of Questions, Including

  • What does your ideal life look like?
  • Will you be able to retire with the lifestyle you want?
  • Who is deciding what happens to everything you’ve accumulated when you die—you or the state?
  • Are you funding your child’s education at the expense of your future?
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Tax Strategies

We specialize in personal income tax planning and will identify the tax-saving approaches that apply to your situation. We work with you throughout the year, not just when it’s time to prepare your return.

You might be able to save on taxes by:

Restructuring your investment portfolio to produce a higher after-tax return
Shifting income to dependents in a lower tax bracket
Structuring income from investments to manage your tax bracket
Maximizing qualified plan and IRA contributions

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals.

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Wealth
Management

Your Portfolio Management And Financial Planning Solutions

We offer a broad range of portfolio management and financial planning solutions customized for your specific needs, goals and life stage. We apply a clear, well-defined, and objective process. Below is a cross-section of wealth management issues that our clients commonly encounter.

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  • What is the current risk level of our total investment portfolio?
  • Does our current portfolio meet our lifestyle needs?
  • How might we reposition our investments to meet our lifestyle objectives?
  • What is our net annual return in dollars and on a percentage basis?
  • How much are we paying annually for investment advice?
  • How tax-efficient is our investment portfolio?
  • How soon can we afford to downsize our careers or elect to fully retire and reasonably be expected to maintain our standard of living throughout our retirement years?
  • Now that we are finally reaching our retirement years, how should we modify our investment plan to provide more stability and higher income at the expense of higher growth and volatility?
  • What assumptions are prudent to make about inflation, rate of return on investments, longevity?
  • How much can we draw annually from our investment portfolio to supplement other sources of retirement income, while still making sure that our portfolio value keeps up with inflation?
  • What are the optimal choices to make for required minimum distributions from our retirement accounts?
  • What investments should I spend first in retirement – taxable or tax-deferred retirement assets?
  • Should we consider long-term care insurance? What are the key factors to consider?
  • My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?

401(k) Plans

For employees. For companies. Employees could grow their retirement, tax-deferred. Companies providing these plans were seen as generous — caring for employees and providing a vehicle to help them plan for a secure future.

Somewhere, somehow, the 401(k) plan seems to have lost its way.

Dominated by huge financial services companies, filling fund lineups with high-fee, proprietary funds, the 401(k) benefit became a burden, difficult to understand, and even more difficult to navigate. Those fees, masking everything from record-keeping to broker compensation, complicated matters, making it difficult to see the true costs of managing the plans.

Using our innovative approach, the 401(k) may work better again, meeting the needs of both plan sponsor and plan participant.

There are several distinct advantages to our approach to 401(k) plans:

Assistance With Fiduciary Requirements For Plan Sponsors
Cost Effectiveness
Focus on Fee Transparency
Unbundled Specialists

Estate Planning Solutions

At True Wave Wealth Planners, we help align your financial goals with your long-term legacy wishes through thoughtful estate planning solutions. Our role is to simplify complexity, coordinate with your professional team, and ensure your plan reflects what matters most to you and your family.

Our estate planning support can include:

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Making sure all accounts, insurance policies, and property are properly titled and aligned with your estate plan.

Setting up and maintaining beneficiaries according to your wishes and keeping them current as life changes.

Exploring strategies such as gifting, trusts, and charitable giving to help minimize estate and inheritance taxes.

Working closely with your attorney and CPA to integrate your financial plan with your will, trusts, and powers of attorney.

Ensuring adequate cash or insurance is available to cover estate taxes, debts, and expenses—so assets don’t need to be sold under pressure.

Structuring inheritances and legacy gifts to protect your heirs and preserve your intentions across generations.