CLIENT

TOOLS

SOCIAL SECURITY PLANNING SOFTWARE

 

Are you getting close to retirement? Are you aware of all of the different social security filing options? Do you have any questions on the process of filing?

 

We utilize software that helps our clients maximize their social security benefit. This software analyzes each client's unique situation and provides a solution that is most advantageous.

 

We show you multiple scenarios before deciding on when and how to file. Our goal is to help you feel confident in your final decision.

RETIREMENT FUNDING SENSITIVITY SOFTWARE

 

Are you prepared for retirement? Do you know if you have saved enough money? Do you know how much you will receive from social security? Have you looked at the impact of inflation or lower investment returns on your monthly income?

 

We utilize software that shows our clients how to plan for and be prepared for retirement. By using multiple retirement variables, we are able to look at numerous scenarios. The software looks at: Things You Can Control (Qualified Savings, Retirement Age, Retirement Expense), Things Hard to Control (Investment Return, Income Tax Rate), and Things Very Hard to Control (Inflation Rate, Life Expectancy).

 

It takes all of these areas and shows how a change in one of them, impacts all of them. We use this software to look at multiple scenarios to see what your retirement looks like at the present moment. This helps our clients know if they need to make changes, or if they are on course to retire when they want to.

SURVIVOR ROADMAP

 

Most of us do not want to think about the loss of a loved one. Due to this, we sometimes fail to put a plan in place so our family is prepared when it happens.

 

Our Survivor Roadmap has three sections to help each family prepare for the loss of a loved one. The first section, Planning Ahead, helps our clients organize all of their important documents and account information into one place so that it is easily accessible. The second section, When a Loved One Dies, has tips and information about what to do next. The third section, Survival Guide, includes a number of template letters that will be helpful in requesting survivor benefits.

INVESTMENT RISK PORTFOLIO ANALYSIS

 

We use Riskalyze, which is cutting edge technology that pinpoints your acceptable levels of risk and reward with unparalleled accuracy. Riskalyze helps ensure that your portfolio aligns with YOUR investment goals and expectations.

 

Together we can take the guesswork out of your financial future.

 

It turns out 4 out of 5 people have more risk in their portfolios

than they previously realized. With this technology, we’ll pinpoint your exact Risk Number to guide our decision making process. Then we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes.

 

The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

REQUIRED MINIMUM DISTRIBUTION (RMD) CALCULATION

 

Are you aware that at certain ages you have to begin taking required distributions from your IRA? Are you aware of the penalty? The penalty for not taking your Required Minimum Distribution is 50% of the amount not taken, or of the shortfall. These required minimum distributions begin at age 70 1/2. Let us help you ensure that you are taking the correct amount out of your IRA each year to prevent the large penalty.

 

Do you have an Inherited or Beneficiary IRA? The rules that govern Inherited/Beneficiary IRA's are different, and can be confusing. Let us show you the requirements for both transferring and taking distributions from this special type of IRA.

RBC ONLINE ACCOUNT ACCESS

 

RBC has a great online platform that provides full access with up-to-date information for all of your brokerage accounts. In addition to account updates, it also has your online documents, convenient financial tools, research, and more.

 

Here is the link: www.investor-connect.com.

 

If you need instructions to set up your online access, please let us know.

SHORT VIDEO: ESTATE PLANNING DOCUMENTS

 

To the right I have provided a short 3 minute video on estate planning documents everyone should consider. Please reach out to us if you have questions.

 

Keystone Financial Strategies, Inc. does not offer tax or legal advice.

MONTHLY NEWSLETTER

 

Don't miss out on valuable current financial advice.

 

We send our clients a monthly newsletter that provides useful information on a variety of timely and interesting financial issues.

 

Be more prepared by having current financial information at your fingertips.

BENEFICIARY REVIEW WORKSHEET

 

Titling of assets is a frequently overlooked step in a comprehensive estate plan. If not done properly, it can lead to tax and transfer issues for loved ones.

 

Please complete a quick review after major life events such as marriage, divorce, the birth of children, death of a family member.

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