Money is a major part of our lives in two specific ways:
We spend the working part of our lives trying to accumulate as much of it as we can, and we spend our retirement years trying to make it last. Each of these areas are very difficult to do on our own. That's why people turn to Oxford Wealth Advisors for guidance.
Our combination of licenses, registrations, professional designations, and special education qualify us to work with all types of investments. There is virtually no investment vehicle we cannot utilize if the circumstances call for it – simple or complex. We are here to help with:
- Asset Protection
- Retirement Planning
- Estate Preservation and Distribution
- Estate Planning
- Income Planning
- Professionally Managed Investment Accounts
- Business Planning
- Multi-Generational Asset Planning
- Risk Management
- Educational Workshops
- Corporate Benefit Plans
- IRA and 401(k) Rollovers
- Life, Health, Long-Term Care, Disability, and Medicare Supplement Insurances
- Roth IRA Accounts
- Tax Free and Tax Advantaged Income Planning
- Safe-Money Strategies
- Legacy Planning
- Real Estate
- Investment Planning
- Masa Assist
Bulletproof your assets from the threat of loss to lawsuits, business reversals, divorce, and government regulators with the same powerful, legal strategies used by America's richest families.
Don't be a "Deep Pocket" target for a frivolous lawsuit or other problem that could have been avoided with a sound, legal, asset protection plan. Don't try to hide or conceal assets when a properly constructed plan allows you to achieve your protection objective and still have control and use of your assets while being able to fully and truthfully disclose all your financial information.
Working your entire life to be able to relax in you golden years is the perfect plan. But getting there with enough money to sustain you for the rest of your life takes preparation. The key is not only to save your money, but to make it work for you. When you maximize your savings potential, you can afford to retire comfortably and without the worries of financial stress.
Estate Preservation and Distribution
We all want to leave a legacy to our children, and what better way to do so than with financial security? Planning your estate means more than just keeping it within the family. You have to be able to protect it from unnecessary inheritance taxes and the other common pitfalls that rob a family of its worth. Dying without a valid will means that the state, not you, will decide what your heirs will and will not receive.
Learn how America's Wealthiest Families pass their estates on to their heirs in the most tax and cost effective manner.
Many times America’s wealthiest eliminate all or most of the taxes and cost to transfer their wealth. Sometimes even increasing the size of their estates during the transfer. Wills and trusts may only address specific issues and need to be reviewed and updated as your desires and situation changes or as laws change that may impact your future plans.
Many issues can still cause your money to fall through the cracks in places like your tax returns, risk exposure, fees and charges, low rates of return, large future income tax problems from your qualified or non-qualified money, protecting you from long-term care, and lawsuits. Most of these are not addressed by having a living trust or a will. Ongoing income taxes and especially significant taxes to your heirs are key concerns today, and many people believe their wills and living trust or other estate planning addresses it and they find out too late they were wrong.
Making sure your assets can generate the retirement income stream you need today and keep up with the rising cost of living that inflation pressures can exert requires expert planning.
Which income streams do you have control over? Some like Social Security and pensions are automatic. Others like distributions from your retirement and investment accounts or annuities require specific decisions as to when and how much you should take out. Some of your accounts may allow you to take an income stream that you can't outlive.
Helping you plan your income in the most tax efficient manner to meet your needs involves a well thought out plan to evaluate your special needs concerning risk of assets, liquidity needs for emergencies, and feeling comfortable with the possible changes in your income needs from changes in the cost of where you live to changes in the cost of your health care.
Call Oxford Wealth Advisors today for a free, no obligation consultation to see how Income Planning can put Peace of Mind into your future retirement income needs.
Professionally Managed Investment Accounts
Investing can be a risk business, especially if you aren't well-versed in the latest market trends and forecasts. Staying on top of this ever-changing mountain of information requires a lot of effort and time - time that you probably don't have. That's why it's better to leave investing to the professionals who do this for a living and have their client's best interests at heart.
What if you could put the power of strategic thinking into your business planning?
Imagine having the forward looking guidance of a highly experienced financial planner to help you with important business decisions that could have a significant effect on your future success.
Now you can! Lynn B. Thurgood (click here for bio) brings you that experience and focuses his service where you may need it the most.
- Identifying undiscovered risks to your business
- Evaluating your best retirement planning options
- Formulating a business continuation plan
- Addressing your specific business concerns
Multi-Generational Asset Planning
The only thing better than making sure that our children are financially cared for is to extend the courtesy to future generations as well. Making the right investment decisions now builds a strong root system which will ensure that your entire family tree will benefit. Your grandchildren and their grandchildren will thank you for making such a positive difference in their futures.
We all face risks each and every day, from the time our feet hit the floor until our head hits the pillow again. Eliminating these risks is vital to ensure that we have the best opportunities to positively impact our lives and the lives of those that we love.
Providing information on investing in a classroom setting is just another method of informing clients on the right moves to make with their money. When an individual or a family attends an educational workshop, they are being given valuable insight as to how to invest their money to help maximize its growth. This allows the investor to have a hands-on approach to their finances while still being provided professional guidance from Oxford Wealth Advisors.
Corporate Benefit Plans
As benefits through employers continue to dwindle, or we lose them altogether through downsizing or company closures, it is refreshing to know that people have other options available to them. Corporate benefit plans are in place to pick up where standard benefit plans leave off. Or to replace them entirely. Without them, many individuals, and their families, would be lacking in having adequate protection against the pitfalls of life. By offering both short-term and long-term solutions, Oxford can contract with numerous major carriers to give you the best protection at an affordable price.
IRA and 401(k) Rollovers
IRAs still rank as one of the best investment opportunities available to every type of investor. This form of investing is tax-free until you retire and are ready to take out the money. This means a much faster accumulation of your money without losing it to taxes while it grows. But many people are unaware that IRAs are the perfect place to rollover your retirement plan to avoid taxes and IRS penalties. This comes in handy when you leave a job and don't know where to park your savings plan in order to receive the growth you need. Oxford can help answer your question so that you can save more of your retirement funds.
Life, Health, Long-Term Care, Disability and Medicare Supplement Insurance
As we age, insurance becomes more and more of an important factor in our retirement planning. That's why starting to plan now will pay off later. With so many areas of insurance to cover, it's easy to miss one. Miss out on a critical component of insurance and it could quickly deplete your savings, your retirement, and your future.
Roth IRA Accounts
Roth IRAs are still a great way to hold some of your savings. Find out what the appeal is and how they can help you save more.
Tax-Free and Tax Advantaged Income Planning
Anyone can save money, but how many know how to protect that money from unnecessary taxes? Paying taxes when it isn't necessary not only makes a difference now, but it allows that difference to add to your accumulated wealth as it reaps the benefits of compounded earnings.
It isn't enough just to make money for retirement.
You also have to know what to do with it after you've earned it. Navigating through these rough financial waters and finding what makes the most sense for you is vital to your financial survival. Oxford is there to lay out all of your options and guide you to the best plan for your needs.
Leaving a legacy is important.
Leaving a legacy of financial security is crucial. Knowing that what you have worked so diligently to build will help others for generations to come is an inspiring commitment. It gives your children and their offspring a peace-of-mind that can't be replaced. By making the proper preparations now, you can work to help ensure that your extended family will never be in financial need.
We only have a limited time to make enough money to last us through retirement. If we succeed, then our retirement years can be worry-free as we enjoy the fruits of our labor. But if we fail to plan properly, then we have to sacrifice a better quality of life just to remain in survival mode. This could mean being forced to continue working when we should be enjoying our time as seniors.
That's why the professionals at Oxford Wealth Advisors are committed to helping families make the most of what they have worked so hard, for so long, to earn. With their help, you can help ensure that money you make will be enough to live on when you need it.
Real Estate Planning
If you've been thinking about selling your home, commercial property, or farm this year, you'll need to know what to do first so you can be sure the decision is right for you! 3 important steps should take place before you list your property.Those steps will help you get your financial questions answered before you discuss your real estate questions. Selling property can be very stressful these days...especially if you want to move to a condo, senior living facility, or an apartment... or if you are considering an alternative investment to your commercial property. Asking the right questions through a simple financial review process will help you get the right answers before you sell which can make all the difference.
- How will I be able to afford my next lifestyle choice? (A simple formula will assure your decision is right!)
- How can I be sure I'll have enough money? Is it possible I could have even more money to live on if I make a move? (2 simple questions may dramatically improve your income stream.)
- Is your concern about risk in your other investments delaying you from listing your home? (Learn how to identify hidden investment risk.)
- Is your concern about income tax issues delaying your decision to list your home for sale? (A simple tax review will show you what questions to ask your accountant.)
Or if you own Commercial Property...
- Are there strategies to lower or eliminate my capital gains tax when I sell?
- Are there investment alternatives that can offer me a similar rate of return as my rental property without high risk?
These questions, and others you may have, will help you get your financial house in order first. Get Peace of Mind and Knowledge That You're Doing What's Right for You! Call Oxford Wealth Advisors for a free, no obligation consultation that can help you make one of the biggest decisions in your life with confidence, knowledge, and security! This free consultation will help you Take Control Now!!!!!
Sell on your terms, without pressure from others.
Give until it hurts may no longer apply. Trusts and direct gifts are only one way of helping your favorite charities. Many other alternatives are available. Some allow you to maintain control of your asset and still avoid future tax problems that might have occurred without the charitable planning. Charitable planning and analysis can be a very rewarding process for you and your favorite charity. Identifying potential current or future significant tax problems can help you, your heirs, and your charities. If you have significant qualified or non-qualified type assets like IRAs, SEPs, 401(k)s, or annuities, as well as capital gains in stocks or business interests, you may be creating significant future tax problems for you and your heirs.
Discovering these problems today gives you the time to plan properly and perhaps avoid them entirely and significantly enhance the future for yourself, your heirs, or your favorite charity.
Call Oxford Wealth Advisors at 505-891-9800 for a free, no obligation consultation to learn more about the use of trusts and direct gifts, as well as a variety of other methods that do not require you to release control of an asset to help your charities.
Recent tax law changes could be costing you plenty!
Do you know the most important questions you should ask your CPA before you complete another tax return or see another month go by that could be costing you extra tax dollars?
You need these questions answered now so you can take full advantage of the new rules while you still have time left in this tax year. Here's just a sampling of the areas to discuss with your accountant and financial representatives.
- Not all dividends are taxed at the new lower rates. (Do you know which assets qualify for the new rule?)
- How do the new lower capital gains rates affect you? Will you have phantom income that you need to offset by adjusting your investment portfolio now?
- How to lower your Social Security taxation now!
- Is your IRA or qualified plan being penalized and you aren't even aware of it? (One question will answer this for you.)
- Why have America's Wealthiest Investors removed their children's names as beneficiaries on their annuity contracts? (Don't worry the kids can actually get more.)
- How to reduce your capital gains taxes and estate taxes.
- How to remove dollars out of your business while reducing your business income tax.
- Stop unwanted required minimum distributions (RMDs) while increasing the value of your qualified plan and passing to your beneficiaries in both an income tax and estate tax efficient manner.
- The most TAX and COST EFFECTIVE way to pass a business on to family members and/or the management teams where the founder receives FAIR MARKET value for his stock and family members or management teams receive funding needed to make this business purchase.
If your current financial representatives have not addressed these issues, imagine what you may be missing out on. These questions need to be discussed now, as waiting until next year means maybe paying too much tax this year. Timing is the key to using the new tax laws to your benefit. Don't wait until next spring to find out you "could have done" something to cut your taxes now or that a hidden tax nightmare could be brewing for your heirs. Become proactive with your tax issues with our 3 Step Review.
A simple review may allow you to dramatically reduce your quarterly tax payments or may uncover a windfall for you and your heirs.
Did you lose money in the two bear markets during the last decade? Two questions can help you establish your risk comfort level.
First Question: How would your lifestyle change if you had a 30 to 50% gain in your investment portfolio?
Some people respond that they might spend or travel a little more or just feel more secure. Nothing will dramatically change.
Second Question: How would your lifestyle change if you had a 30 to 50% loss in your investment portfolio?
Some people respond that they would be devastated or have to move to a smaller home or drop a club membership or some other dramatic change. The loss has a dramatic change in their mindset and lifestyle.
This is the primary reason why Affluent Americans are far more concerned with protecting what they accumulated rather than chasing a risky possible high rate of return. Are you prepared or comfortable with the possibility of another major market sell off?
If you would like to learn what the true risk exposure is in your current investment portfolio and find out how that correlates with your personal risk comfort level, call Oxford Wealth Advisors today for a no obligation 3 Step Review.
Has your current advisor discussed your risk comfort level recently?
Masa Assist (Medical Air Services)
Your membership fee provides for the following services at no additional cost to you:
- Emergency Air Transportation
- Medical Evacuation
- Helicopter Transportation
- Return Transportation
- Non-Injury (Friend or Family member) Transport
- Escort Transportation
- Minor Children/Grandchildren Return
- Pet Return
- Vehicle Return
- Mortal Remains Transport
- Organ Retrieval
- Organ Recipient Transport
- Worldwide Coverage
- Attorney Advisory Services
- Translation Services
- 24/7 Nurse Hotline
- Travel Advisor
- Cash Advance (Up to $50,000)
- Physician Search
- Emergency Message Center
- Peace of Mind Plus Concierge
***Please contact Oxford Wealth Advisors (505)891-9800 for more information***