Worried that your financial strategy is

Missing Something?


We’re here to help you feel confident in your financial future.

Your Dreams Matter

At John Navin & Associates Inc., we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, designed to help you address your financial needs and concerns.

The Lifestyle Maximizer Process

Our process is designed to help our clients achieve simplicity and confidence during their retirement years. It focuses on five key areas of your current financial life.

We offer services in these five areas:

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    1. Income Planning

    Our goal is to help ensure your expenses are paid month to month with reliability and predictability for the rest of your life. This typically includes:

    • Social Security maximization
    • Income & expense analysis
    • Inflation plan
    • Spousal plan
    • Longevity protection
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    2. Investment Planning

    Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month. This typically includes:

    • Assessing your risk tolerance
    • Adjusting your portfolio to reduce fees
    • Volatility control
    • Evaluating ways to reduce risk while still working toward your goals
    • Comprehensive institutional money management
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    3. Tax Planning

    Any comprehensive retirement plan will include a strategy for decreasing tax liabilities. This typically includes:

    • Assessing the taxable nature of your current holdings
    • Possible IRA planning
    • Strategizing ways to include tax-deferred or tax-free money in your plan
    • Strategizing which tax category to draw income from first to potentially reduce your tax burden
    • Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries
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    4. Health Care Planning

    We will create a plan to help you address rising health care costs with a minimum of expense, including:

    • Looking at all aspects of Medicare, Parts A, B and D
    • Analyzing options for a long-term care plan
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    5. Legacy Planning

    It’s important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, our goal will be to help you:

    • Maximize your estate and income tax planning opportunities
    • Protect any assets in trust and ensure they are distributed to your beneficiaries probate-free
    • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

We can also refer you to professionals who provide the following services:

Trusts
Probate
Charitable Giving
Estate Planning
Tax Planning

Ready to take
The Next Step?


 

For more information about any of the products and services we provide, schedule a meeting today or register to attend a seminar.

 

Or give us a call at 615.656.3170

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