The Financial Guided Planning System® Process
Our 5-step Financial Guided Planning System® Process steers you toward your financial goals. We’ll help you gain a holistic view of your complete financial situation, so you can see more, know more and do more for your financial needs.
We’ll help ensure your expenses are paid with reliability and predictability for the rest of your life.
- Social Security optimization
- Income & expense analysis
- Inflation plan
- Longevity protection
- Spousal plan
- Retirement income strategies
- Annuities
- Asset protection strategies
- IRA & 401(k) rollovers
Once your income plan is established, we can help create an investment plan for the remaining assets that you do not need to draw from month to month. This includes:
- Investments
- Wealth management
- Assessing your risk tolerance
- Adjusting your portfolio to reduce fees
- Evaluating ways to reduce risk while still accomplishing your goals
- Comprehensive institutional money management
- Volatility control
We’ll look at the taxable nature of your current assets and potential ways to include tax-deferred or tax-free money in your retirement strategy, including:
- Tax-efficient strategies
- Assessing the taxable nature of your current holdings
- Strategizing which tax category to draw income from first to help reduce your tax burden
- Leveraging your qualified money to potentially leave tax-free money to your beneficiaries
We’ll create a plan designed to help you protect yourself against rising health care costs, including:
- Long-term care strategies
- Life insurance
- Looking at all aspects of Medicare Parts A, B and D
It’s important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, we’ll help you:
- Maximize your estate and income tax planning opportunities
- Protect any assets in trust and ensure they are distributed to your beneficiaries probate-free
- Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries
Insurance products are offered through the insurance business Gregory Ricks & Associates, Inc. Gregory Ricks & Associates, Inc. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by Gregory Ricks & Associates, Inc. are not subject to investment Advisor requirements.
Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. Gregory Ricks & Associates, Inc. is not affiliated with or endorsed by the U.S. Government or any governmental agency.
The Result
An interactive financial plan that will help you navigate the ups and downs of your journey — to retirement and beyond.
Gregory Ricks & Associates, The Total Wealth Authority® specializes in the following services:
Legacy Planning
Insurance Planning
Retirement Planning
Tax Planning
IRA/401(k) Rollovers