Retirees

Our goal is to create a reliable income plan for you.

We provide wealth management services for individuals who have a $500,000 minimum of investable assets. This enables us to give more attention and better service to our clients.

Retirees rely upon us for investment, tax and estate planning assistance. Working in concert with other specialists, we provide recommendations on income distribution and tax efficiency.

Specifically, South Bay Asset Strategies can help retirees:

• Plan for adequate cash. Our financial planning models help retirees make smart money decisions in line with their goals. We understand the complexities of distribution planning and can provide guidance to avoid cash shortfalls.
• Build tax-efficient portfolios. We work with specialists, such as CPAs, so that our income strategies are as tax efficient as is practical.
• Line up wills and trusts. Where it’s appropriate to a client’s wealth management plan, we recommend estate planning specialists for help with wills and trusts.

* Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are based on the claims paying ability of the insurer.

An annuity is a tax-deferred investment. Holding an annuity in an IRA or other qualified account offers no additional tax benefit. Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral. Product features and availability vary by state. Restrictions and limitations may apply.