Imagine feeling confident
about your financial future...
In a world of complexity and a climate of uncertainty, you need a partner to keep you on track—a partner that says "our goals remain the same—to create a legacy, to live comfortably in retirement, to feel confident in our decisions." If you're thinking it is time for such a partner, then it is time for Handford Financial Strategies.
Imagine a truly independent financial professional who has great ability to look at your situation objectively. Imagine receiving sound guidance backed by a wealth of research and reported to you with state-of-the-art technology. Now you know what it's like to work with Handford Financial Strategies.
Define your priorities. Discover your opportunities. It's all here for you at Handford Financial Strategies.
Retirement Planning for Small Businesses
- Is a 401(k) appropriate for your business? We'll analyze your business structure to determine if it's a fit. Reference 401(k) Plans for more information. In many cases, an individual 401(k) plan is a better fit, see The Individual 401(k).
- There are other employee-sponsored retirement plans with many benefits for small business owners. Reference Retirement Plans for Small Business.
- If you're self-employed, there are plenty of ways to reduce your taxes. Let's weigh the pros and cons of different plans.
Retirement Planning for Individuals How can you manage your Required Minimum Distributions most effectively? How do you know which assets are best for distribution and which are best to hold? Navigate the all-important intricacies of naming beneficiaries.
Tax Planning Taxes are slated to increase. Let's make sure as much of your income is free from taxes as possible through the use of retirement plans. Reference the Income Tax Key Numbers to find out. The capital gain tax rate will soon increase. What does this mean for your investment portfolio? What needs to be done in your asset allocation to minimize this tax burden? How can tax-exempt investments, tax-deferred investing, and 1031 exchanges help you manage your tax burden? What are the exact rules on wash sales, gains and losses, qualified dividends, and mutual fund taxation? What strategies can be used at year end to harvest losses?
Investment Planning The markets continue with a high level of volatility. What is the best allocation for me? What has the history of markets taught us about bear and bull markets? What's the best investment philosophy to follow: Modern Portfolio Theory, Behavioral Finance, Mean Reversion, or something else? Read our thoughts on these different investment strategies in the attached The Art and Science of Investing.
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Connections
New clients ask how we've broadened our reach, serving people in areas as varied as California, New York, and Washington. We explain these contacts are referrals from our clients in the heartland of Northern Virginia. We've expanded around the country by concentrating on great service here at home. Why the Cheshire Cat was smiling:
"Would you tell me, please, which way I ought to go from here?"
"That depends a good deal on where you want to get to," said the Cat.
—Lewis Carroll, Alice in Wonderland Creativity
The financial world doesn't stand still. Neither can your strategy. We combine careful preparation, market awareness, and new technology to maximize your long-term financial rewards.
We aggressively incorporate new tools and systems, attend seminars on new developments, conduct market research, and seek input from a network of experts, including some of the top attorneys and accountants in the country. Using this foundation, we develop strategies to propel your net worth ahead. "The surest way to accumulate wealth is to make sure you never pay tax on income you do not use."
—John Rockefeller Clarity
Your options are always changing. It takes focus to stay on track. We'll ask where you'd like to be in the next three years. Using the future as a starting point, we'll create paths back to the present, defining the steps that will take us where you want to go.
Confidence
Of course you want results from your financial program. But one of the best benefits is freedom from worry while you get where you're going.
Knowing about our expertise, our process, and our portfolio of satisfied clients will go a long way toward making you relax. But, even more, you'll find working with us is like getting together with a friend of the family—an experience low in stress, high in caring and support.
Estate Planning
- Updating your Plan. If your estate plan is 5-10 years old, let us take a look. Estate tax changes are in the works. Your estate may be subject to a hefty transfer tax.
- How can the use of revocable and irrevocable trusts protect you and your family from probate, taxes, incapacity, creditors? Look over the Key Estate Planning Documents You Need.
Wealth Management No matter what your level of wealth, working with Handford Financial Strategies can help you pursue success. We aim to grow and preserve wealth for our high net worth clients through investment and tax, and estate planning.
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