Reaching your financial goals takes commitment, determination, and a solid plan. It also helps to have an expert on your side. At RFS, we have a seasoned team of professionals who offer a broad range of specialized services that address virtually all your planning needs. We bring together the key resources you need to help make your financial plan work for you – both now and in the future.
You have worked hard to build your business…
Have you considered how your estate will be distributed?
Insurance plans can cover a variety of situations…
As a business owner, have your plans been reviewed...
Retirement planning can seem like a maze.
Evaluating your risk tolerance, the fees you are paying...
You have worked hard to build your business, and it may be one of your largest assets. Will the value of your business be available for the orderly transfer to partners and/or heirs? Reaching your business goals takes commitment, determination, and a solid plan. It also helps to have the right experts on your side that hear and understand your concerns. At RFS, we can coordinate with your other team of advisors on the development, implementation, and/or review of your business plan.
Are you offering your employees competitive benefits in a coordinated effort? Along with our team of specialists, RFS, with over four decades in the industry, has an ultimate goal to help develop and implement a benefits package to retain employees for years to come in the most cost-effective manner.
How can you attract and retain your key employees? Non-qualified benefit programs, also known as “golden handcuffs” strategies, might be what you need for retention. These strategies can be custom designed to reward and retain your executive team and your key employees. RFS has the privilege of working extensively with closely held businesses, and as a result, we can access a variety of solutions for building business value.
Do you have a co-owner or partner? Have you considered, what happens to your business in the event of things like death, disability, divorce, bankruptcy, voluntary separation, transferring stock to a third party, retirement, termination, and even how to handle disagreements between owners? The RFS team together with your other qualified professionals can help guide you through this process to ensure you maximize the value of the business.
Is your exit, succession, and transition plan executed in writing? It’s critical to not only have a plan but also to monitor it from time to time to be sure it is still relevant. You’ve worked hard to build your business and should put in sufficient time to plot out its continuation after you and maximize the economic value. The RFS team together with your other advisors can help you in this area.
Our team at Rosenzweig Financial Services will coordinate with your tax and legal advisors to help you plan the orderly distribution of assets and maximize lifetime giving opportunities.
Together, we will put in place an estate planning process to help mitigate the impact of federal estate taxes, other transfer taxes, and probate with extensive evaluation. RFS’s goal is to help in the orderly transfer of assets from one generation to another in the most cost-effective manner.
Insurance plans can cover a variety of situations, such as unexpected events like death, disability, long-term care, business succession, and estate liquidity. Working with a competent professional can help ensure a smooth journey through life.
What happens if you are not here tomorrow? This coverage protects against the loss of a loved one or business partner. There are many different types of products to choose from. The RFS team will work with you to determine your goals and objectives, and help you survey the market to find the appropriate solutions.
Can you maintain your current lifestyle if you can’t work unexpectedly due to an illness or injury? There are several types of products like protecting loss of income, meeting ongoing business expenses, funding buy-out agreements, or possibly covering business loans. The RFS team can help you survey the market to find the appropriate solutions.
Who will take care of me when I can’t care for myself? Have you properly protected your retirement and assets? Are you missing the most important piece in your retirement planning puzzle? Have you addressed the major financial "exposure" and the emotional impact of chronic long-term care? The RFS team can help you survey the market to find the appropriate solutions.
Property and casualty insurance is extremely important in any financial plan to ensure that you and your assets are protected in the event of a loss. We have strategic alliances with long-standing firms that specialize in residential and commercial coverage. We will be more than happy to make the appropriate introduction to provide a second opinion.
As a business owner, have your plans been reviewed for ever-changing tax law changes, census demographics, and contribution levels? If not, you may be losing potential tax benefits that you are not aware of. Our over three-decade strategic alliance with Penn Pension Center helps us offer cutting-edge design actuarial experience. This relationship allows us to help you evaluate what types of plans are most appropriate. (401(k) plans, Defined Benefit, Defined Contribution, SIMPLEs and/or, SEP-IRA plans, etc.).
Retirement planning can seem like a maze. You may already be asking yourself the following questions:
If any of these sound familiar to you, the RFS team, with over four decades of experience, can help you evaluate and look at all your options.
Evaluating your risk tolerance, the fees you are paying, and the performance of your portfolio should be an ongoing exercise. The RFS team together with our strategic alliances helps provide comprehensive advice, solutions, and services to professionals, affluent families, and business owners. The ultimate goal is an organized and disciplined approach that is carefully monitored over time.
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