Gratus will work closely with you and your tax preparer or CPA to understand the impact of taxes on your finances.

• What is the most effective timing of income and capital gains taxes? How will these taxes impact my financial situation?

• I’m moving into a retirement community. How does this transition impact my taxes?

• How will Required Minimum Distributions (RMDs) affect my taxes?

• Should I consider a Roth IRA conversion?

• Which estate documents are necessary? Do I need a trust?

• Is my trust design and management still aligned with my goals? Have I funded my trust correctly?

• What strategies should I use to transfer wealth tax-efficiently to my family/charity?

Analyze life, disability, and long-term care insurance policies to ensure adequate coverage and appropriate structure.

• I have all these old insurance policies, do I still need to keep them? Should I keep paying the premium?

• How much life insurance do I need? What type is most appropriate for my situation?

• I have disability insurance through my work. Do I have enough coverage?

• Everyone is talking about the cost of a long-term care health event. Do I need to insure for this risk?

• What is the best way to save for my child/grandchild’s education? How much is appropriate?

• How can I help pay for private school tuition?

• I have large retirement accounts (IRAs). Can I make tax-free charitable contributions directly from IRAs?

• Should I gift appreciated securities instead of giving cash? What’s the tax impact? How does this decision affect the charity?

• I’ve heard about Donor Advised Funds. Should I open a Donor Advised Fund?

We create detailed projections to ensure a sustainable retirement income strategy.

• Do I have enough money to retire?

• I’m interested in working part-time. How does this affect my retirement plans?

• How do I optimize social security benefits?

• My pension has several withdrawal options. Which option is best for me?

• Which accounts should I draw from first for my retirement income?

• How do I tailor investment strategies around my unique needs?

• How much cash should I keep as an emergency fund?

• Why should I rebalance?

• Which investment should I sell when the stock market is up? How about when it’s down?

• Cash Flow Management

• Tax Planning

• Business Transition

• Employer Retirement Plans