What do we do?

Brock and Associates - Financial Consulting

When we undertake a comprehensive tax, estate, and financial analysis we discover that our clients want real answers to help them in some or a majority of the following areas:

Tax Strategies, including
  • IRA Distribution Strategies
  • Minimizing or avoiding taxes on Social Security Income
  • Avoiding (not merely postponing) Capital Gains taxes on highly appreciated assets
  • Roth vs Regular IRA calculations
  • Alternatives to the Roth Option
  • Stretch IRAs vs Retirement Trusts
  • Transferring Assets from a Taxable environment to an Environment that Generates a Tax-free Retirement Income and may Pass Income and Estate Tax-free to Heirs

Estate Distribution Planning, including

  • Review and updating estate documents, with a focus on uncovering how assets may unwittingly pass to unintended heirs, making sure you have the right trustee(s), addressing issues that may apply if your estate plan was created in another State
  • Life/Legacy Planning – taking your estate plan to new levels of effectiveness

Estate Tax and Settlement Cost Planning, including

  • Estate tax projections assuming one lives five years or more
  • Approaches to either minimize or avoid a taxable estate
  • How to pay estate taxes with discounted dollars

Retirement Planning, including

  • Projections of income resources considering various assumptions: deficit spending, tax rates, inflation rates, interest rates, and longevity
  • Meshing lifestyle goals
  • Determining the preferred assets from which to draw income in what order to minimize taxes

Asset Protection Strategies, including

  • Strategies to maximize protection of your assets from frivolous lawsuits or creditors in this litigious society, “ambulance-chasing lawyers” advertising everywhere, and exorbitant jury awards

Investments and Asset Allocation Strategies, with a clear distinction between allocating assets that are non-securities versus securities*, including

  • Comparing assets side-by-side according to criteria that matters to you: Income Tax implications, Safety, Returns, Liquidity, Guarantees, Creditor-protection, Simplicity, and Fees, loads, charges & expenses
  • CD’s and cash equivalents
  • Annuities
  • Over-funded Life Insurance
  • Real Estate
  • Trust Deeds
  • How to apply a Nobel Prize winning approach to your assets
  • Stocks*
  • Bonds*
  • Mutual Funds*
  • Variable Annuities*
  • More

*Securities advice solely through appropriately licensed persons with companies not affiliated with Brock Financial Consultants.

Risk Management and Insurance Review and Analysis, including

  • Long Term Care Insurance
  • Medi-Gap or Medicare Supplement
  • Life Insurance
  • Umbrella Liability
  • Other
Read on to learn about the financial planning process ...
or feel free to contact us for more information.