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To develop a financial strategy for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture, including how your retirement assets are integrated and work with one another. Our financial strategies and asset management services review all available opportunities to help you meet financial goals. We analyze your financial needs and provide you with enough information to make an informed decision about your financial future. We work in concert with tax professionals or attorneys, including our affiliate, Blatt Legal, PLC, to advise you on specific aspects of your financial strategy. 

At Blatt Financial Group, we offer you the following services:
  • Retirement Income Strategies
  • Wealth Accumulation
  • Asset Protection
  • Life Insurance
  • Tax Minimization Strategies 
  • Long-Term Care
  • IRA & 401(k) Rollovers
What Blatt Financial Group provides to clients:
  • Thought For The Week (emailed every Friday)
  • Quarterly Newsletter
  • Monthly Client Educational Series
  • Quarterly Reviews
  • Invitations to exclusive Client Events
  • Annual State of the Economy Address
  • Special Video Reports from Peter as needed due to changes in the economy
 In addition, we can refer you to our affiliate, Blatt Legal, PLC, who provides the following services:
  • Trusts
  • Probate 
  • Charitable Giving
  • Estate Planning
  • Tax Planning 
  • IRA Legacy Planning
Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a tax or legal professional, such as Blatt Legal, PLC, on any such matters.

Retirement Income Strategies

Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94.1 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime. Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.2

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover.

We can help you design retirement income throughout your retirement.

1http://www.rdmarketinggroup.com/Files/AG%20Secure%20Lifetime%20GUL%20and%20LIS20Client%20Guide.pdf Prepared by Ernst & Young Insurance and Actuarial Advisory Services practice. The analysis uses the Annuity 2000 mortality table with Scale G2 mortality improvements.

2 State of the Insured Retirement Industry: 2012 Recap and a 2013 Outlook, Insured Retirement Institute

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a tax or legal professional, such as Blatt Legal, PLC, on any such matters.

Wealth Accumulation

You may be able to use time to your advantage when investing for wealth accumulation.

The longer you invest, the more potential your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, with fluctuations in the stock market, it is important to remember that more conservative retirement strategies typically have only a portion of the assets invested in the stock market. Allocations can be set aside for more conservative investments. After all, the last thing you want to do is lose more ground during the next market correction.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Tax Minimization Strategies

Rising taxes may be a concern for many individuals approaching retirement. It may be important to incorporate tax planning into your financial decisions.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Long-Term Care Strategies

As the oldest baby boomers begin to wind through their 60s, one of the biggest concerns may not be outliving income, but outliving good health.

For retirees, home health care can cost $50,000 or more per year1, and nursing home care can run as high as $80,0002 per year. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that amount as a married couple?

Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.

1 Genworth 2012 Cost of Care Survey: Home Care Providers, Adult Day Health Care Facilities, Assisted Living Facilities and Nursing Homes http://reversepartner.genworth.com/content/etc/medialib/genworth_v2/pdf/ltc_cost_of_care.Par.38432.File.dat/Methodology_gnw.pdf
2 MetLife: The 2011 Market Survey of Long-Term Care Costs
https://www.metlife.com/assets/cao/mmi/publications/studies/2011/mmi-market-survey-nursing-home-assisted-living-adult-day-services-costs.pdf

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Estate Planning

We can refer you to our affiliate, Blatt Legal, PLC, to help meet your individual needs.

Estate planning is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and there may be unintended consequences for your loved ones.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the estate tax laws and the emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

IRA Asset Planning

IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy that potentially reduces taxes and potentially increases the payout your beneficiaries will receive upon your death.

You may want to use some of the value in your IRA to provide your beneficiaries a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiaries’ lifetimes. We can help you evaluate your financial situation to determine if IRA legacy planning could help you meet your goal of structuring a long-lasting inheritance for your beneficiaries.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Trusts

There are many different types of trusts, and they can be complex to set up and execute. However, a trust can be a very flexible and advantageous means to transfer your assets in the future. Most trusts can also provide current benefits, such as tax deferral and deductions. Unlike a will, a trust may help avoid probate upon your death. To learn more about trusts and how they may benefit you, we will be happy to help you consult a qualified estate planning attorney who can assist you with these issues.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Probate

We can refer you to professionals, such as Blatt Legal, PLC, to help meet your individual needs.

Probate is the potentially lengthy and costly legal process that oversees the transfer of your assets upon your death. If you do not create a will or set up a trust to transfer your property when you die, state law will determine what happens to your estate. This is called intestate. Without a will or some other form of legal estate planning, there is the chance that more of your property may not go where you want it to. We can refer you to our affiliate, Blatt Legal, PLC, to assist you in these matters.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

IRA & 401(k) Rollovers

When you change jobs or retire, there are four things you can generally do with the assets in any employer-sponsored retirement plan:

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.

If you decide to cash out of an IRA, we can help you find suitable vehicles to help you reach your retirement income goals.

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.

Charitable Giving

Creating a charitable gift-giving plan may provide you with multiple tax breaks: an income tax deduction, the avoidance of capital gains on highly appreciated assets and the reduction or elimination of estate taxes on the charitable contribution upon your death.

With changes in the tax environment, there may be compelling reasons to integrate philanthropy into your financial and estate planning.

We can refer you to Blatt Legal, PLC to help you decide if this is a good option for you. 

Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional, such as Blatt Legal, PLC, on any such matters.
 


To schedule a time to discuss your financial future, contact us at info@blattfg.com or call us at 561-625-0900 today!

By contacting us, you may be offered information regarding the purchase of insurance and investment products.

Complimentary Report
"The Social Security Decisions”
Learn important variables to consider as you create a sound retirement income strategy for the days ahead.
  • This guide is for informational purposes only. It is not intended to provide tax or legal advice. By requesting this guide you may be provided with information regarding the purchase of insurance products in the future.

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    Peter Blatt is a prominent estate planning and taxation attorney and financial advisor servicing clients throughout Palm Beach Gardens and North Palm Beach County.
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    The Social Security Decisions Report is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

    All Materials Copyright ® 2017 Blatt Financial Group, LLC. Blatt Financial Group, LLC is a Financial Planning and Estate Planning firm. Together with its affiliates, Blatt Legal, PLC, and Center for Asset Management (CFAM), a Registered Investment Advisor with the Florida Office of Financial Regulation, Peter Blatt, J.D. LL.M. offers estate planning legal services and financial planning in Palm Beach County, Florida.