Individual Services
We are dedicated to providing comprehensive wealth management and strategic planning to high net worth individuals. Simply put, we strive to be our client’s trusted advisor in all things financial. As a financial advisory firm, our primary focus is to provide unbiased opinions that are designed to achieve long term results culminating with our clients having peace of mind that they will be well taken care of throughout their lifetime.
Areas that we specialize in include:
- Investment advisory services
- Retirement planning
- Tax planning
- Estate planning
- Insurance analysis
- Social Security planning
When we say comprehensive wealth management, we mean it. Without providing services in all of the areas above we feel that we cannot possibly ensure that our clients are on track to accomplish their goals. We monitor and update our client’s financial situation and make adjustments to their plan as often as is needed for them to reach their stated goals.
Investment Advisory
Before presenting any solutions on investments we will determine the appropriate risk tolerance based on each client’s individual circumstances. We will then construct a portfolio designed to reflect that risk tolerance and make changes as is necessary and appropriate throughout our working relationship.
Account Types that we manage include:
- 401(k) Rollover
- Traditional IRA
- Roth IRA
- Trust Account
- Joint Investment Account
- Individual Investment Account
Retirement Planning
Retirement planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life.
Remember, retirement planning is a process, not a product.
Every individual will have different sources of income, a different cost of living and a different risk tolerance that all must be taken into consideration before creating and implementing a retirement plan. At Rosemeyer Management Group, we work with each individual client to prepare a unique and easy to understand retirement plan.
A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient manner. It is our goal to assist you to build a solid financial structure that will stand the test of time and that will grow and build wealth for you and your family.
Tax Planning
No one likes paying taxes. But through the advice of a professional financial advisor, you can access products and services that help ease the burden. Charitable contributions, tax projections and IRA conversions can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.
Things that we will consider:
- Current and projected future tax brackets
- Tax loss harvesting
- After-tax rate of return
- Required Minimum Distributions
- At Rosemeyer Management Group, our goal is to connect wealth management to your tax planning.
Estate Planning
Planning for the transfer of assets at death is a critical element of retirement planning, especially if there are survivors who are dependent upon the assets for their financial security. Planning for estate transfer can be as simple as drafting a will, which is essential to ensure that assets are transferred according to the wishes of the decedent. Larger estates may be confronted with settlement costs and sizable death taxes which could force liquidation if the proper planning is not done.
Estate planning areas that we will discuss include:
- Creating a will
- Health care power of attorney
- General power of attorney
- Living trust
- Transfer on Death
- Property tilting
If you are a resident of Grant County, WI and would like to see how your assets are titled please follow the link below.
Insurance Analysis
In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.
The advantages of life insurance include:
- An instant estate for your loved ones at a time when funds are most needed
- Death benefits that are almost always non-taxable for named beneficiaries
- Avoid probate costs if you name a beneficiary other than your estate
- Potentially offer your loved ones a safeguard against creditors through some life insurance plans
Life insurance can play a vital role in your financial security plan. We can help you select coverage from a variety of life insurance options to meet the needs and ensure that you have the appropriate amount of life insurance. - contact us today to find out how.
Social Security
Social Security was established in the 1930’s as a safety net for people who, after paying into the system from their earnings, could rely upon a steady stream of income for the rest of their lives. The age of retirement when the income benefit starts, was originally age 65, which was referred to as the “normal retirement age”.
Now, for a person born after 1937, the normal retirement age is being increased gradually until it reaches age 67 for all people born in 1960 and beyond. The amount paid in benefits is based upon the earnings of an individual while working. If a person wanted to continue to work and delay receiving benefits, they could do so to build up a larger benefit. Conversely, early retirement benefits are available, at a reduced level, as early as age 62.
At Rosemeyer Management Group we will work with our clients to determine when is the most appropriate time to begin collecting Social Security by asking about life expectancy, need, earned income and how big of a piece of the retirement income Social Security makes up.
Custodian
Rosemeyer Management Group uses Charles Schwab as the custodian for the majority of client assets. Charles Schwab is a publically traded brokerage company who focuses on serving independent Financial Advisors and Registered Investment Advisory firms.
As of June 2014, Charles Schwab served as custodian for more than 9.3 million accounts with $2.4 trillion in assets making them the largest custodian in the world.
By partnering with Charles Schwab, Rosemeyer Management Group clients are provided with monthly statements, online client access and cutting edge smart phone app technology.
Current clients may access their Schwab Alliance Login below.
Broker-Dealer
Rosemeyer Management Group uses Harbour Investments, Inc. out of Madison, Wisconsin as our Broker-Dealer.
Harbour was founded in 1987, by President and CEO, Nick Sondel. Harbour has grown at a steady and manageable pace. They currently serve approximately 200 Investment Representatives located in 11 states.
You may access Harbour Investments, Inc. website below.
