Services

At 4J Wealth Management, we believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

We can answer your questions, including:

• How do I live retirement to the fullest but not deplete my nest egg pre-maturely?
• Are my investments allocated correctly in the event of a market downturn?
• Should I take Social Security early or delay?
• How will we handle a long-term care event?
• Will my spouse be okay if something happens to me?

Our seasoned professionals have helped many people just like you with similar issues and concerns. We can help you create an approach that is designed to address your individual situation.

We provide assistance in the following areas:

Comprehensive Financial Planning - Assess your holistic financial situation and provide recommendations across all areas of financial planning including asset management, retirement, estate planning, taxes, risk management, and cash-flow/net worth analysis. All comprehensive planning includes an analysis of client specific goals and 'what-if' scenarios such as pre-mature death, disability, long-term care event, etc.

Asset Management - Manage portfolios to meet client's investment goals. Once the appropriate portfolio has been determined, portfolios are continuously monitored, and if necessary, re-balanced based upon the client’s individual needs, stated goals and objectives.

Retirement Planning - Analyze and recommend appropriate withdrawal rate from accounts, timing of taking Social Security benefit and management of assets based on client life expectancy.

Estate Planning - Identify appropriate estate planning documents and partner with CPAs and estate attorneys to ensure transfer taxes and expenses are minimized and assets are protected from creditors.

Charitable Planning - Analyze different vehicles to efficiently gift money to charities including appreciated stock gifts, RMDs to qualified charities, donor advised funds and charitable remainder trusts.

Personal Tax Planning - Offer advice to minimize overall tax burden and access accounts to minimize the effect of taxes now and in the future.

Real Estate Analysis, Mortgage/Debt Analysis - Develop comparison scenarios between renting out real estate property versus public market investments as well as between accelerating mortgage reduction verses investing excess cash-flow.

Risk Management Analysis - Review and analyze 'what-if' scenarios that could alter the course of one's life including market corrections, death, disability, loss of employment, long-term care event, and/or property damage.

Lines of Credit Evaluation - Evaluation of the lowest cost and most suitable form of financing based on the clients' objective.

Retirement Plan Consulting - Consulting services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan.