Roadmap Financial

The following short set of questions will help you determine if you may have made financial decisions without a critical fact or discussion; or even possibly based on opinions, a myth, or misconception.

Your answers will help determine if you need further review of those topics.

1. If there was a missing fact or piece of information or even a myth or misconception that was costing you a significant amount of money now or that could cause a problem in your future, would you want to know about it before making your financial decisions?

Yes  No

2. Do you own risk type investments like Mutual Funds, Stocks or Bonds? (If no, jump to Question No. 6.) If yes, you’re most likely being affected by phantom income taxation. Is this the first time you’ve heard of phantom income taxation and would you like to reduce or stop this taxation?

Yes  No

3. Have you bought into the myth that you can withdraw 5% of your portfolio because you are going to make 8-9% and, if so, would you like to know how long the amount you are withdrawing is sustainable?

Yes  No

4. Do you agree that you should factor in and quantify all the fees and charges so you know the true amount of your portfolio that is going to unknown or hidden fees and charges?

Yes  No

5. Would you have liked to review the real historical data on average investor returns prior to making your past financial decisions so you’d have all the critical facts to really understand your true risk tolerance?

Yes  No

6. Have you made financial decisions without going through a comprehensive review of your taxes, risk comfort level, and income needs and therefore had missing facts that could be affecting your current financial plans?

Yes  No

7. Prior to purchasing a specific investment in the past, would you have liked to know that you would be paying tax on your Social Security income and would you like to reduce or eliminate this taxation?

Yes  No

8. Would you agree that knowing ahead of time about other strategies for your assets and income streams (such as our 3 bucket approach to help you take better control of your future) would have been beneficial to know?

Yes  No

9. Would you like to make sure you know the 5 critical questions to ask your financial advisors to make sure their recommendations are in your best interest?

Yes  No

10. Would you like to know about Tax Advantaged Payout and how you might enjoy your money in a very tax advantaged way and perhaps increase your income?

Yes  No

11. Do you have an investment that you made in your IRA that has losses you cannot deduct? You may benefit from applying tax harvesting and loss offsetting into your tax planning.

Yes  No

12. Would you like to clearly understand what your options are to preserve and protect your assets from the Medicaid spend-down rules and perhaps find the money falling through the cracks to pay for part or the entire Long Term Care problem?

Yes  No

13. Wouldn’t you agree that you would want know the many things not covered by your Will and Living Trust that, when corrected, could save potentially thousands for you or even hundreds of thousands of dollars for your heirs?

Yes  No

14. Have you purchased or avoided certain types of investments like Real Estate Investment Trusts, Variable Annuities, Fixed Annuities, or Limited Partnerships perhaps based on misinformation or misconceptions?

Yes  No

15. Are you receiving low rates of return by using short term CDs and savings accounts due to your liquidity concerns and would you like to increase your interest rate while still being able to access your money in an emergency?

Yes  No

16. Would you like to take control and find the money falling through the cracks in your current plans so you can use that money however you’d like?

Yes  No

 

If you answered YES to any of these questions, you could probably benefit from a complimentary consultation.

 

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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.

Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through Trust Company of America, TD Ameritrade, Jefferson National Life Insurance Company.

Your investment advisor may recommend third-party money managers who utilize investment strategies designed to minimize portfolio volatility and reduce the risk of declines in account values. Like any other investment strategy, this approach entails risks, including the risk that client accounts can still lose value and the risk that a defensive position may, at any given point in time, prevent client accounts from appreciating in value.

 © 2017 Roadmap Financial Consulting, LLC. All Rights Reserved. 

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