PEAK Advisors, Planning, Education, Advice & Know-How

your go-to guy for financial related issues

Tax Planning:  Includes ‘What-If’ planning to learn the tax impact of various investment and tax planning decisions.  What is the impact of Roth Conversions?  What is the tax saving and impact of owning a home verse renting.  Any issues or decisions that impact your tax situation are reviewed and evaluated ahead of time.

Tax Preparation: Includes your personal 1040 tax return preparation and one corporate or partnership return.  Includes $1 million dollars of audit representation protection.  Identity Theft Protection.  $2500.00 of reimbursement for any tax assessments due to our error.

Investment Planning:  We review your current assets.  Asset allocation and determine the appropriate risk tolerance and proper asset allocation for you based on your preferences and risk tolerance.  We will give you specific advice on what to invest in.  All advice is given on a non-discretionary basis.  Meaning I do not have authority to make your investment decisions.  I give advice and we implement the advice in your investment accounts.  When we are together in person or via zoom, you would log-in to your investment accounts and share your screen and we would review your account and make suitable recommendations and show you how to implement them in your account.  So, you would be doing the investment trading, with guidance from me. 

We would review your 401K or 403B options and Roth IRA vs Traditional IRA options.  Does a 7702 Plan make sense for you?  For those just starting out we would start a way to save and develop an emergency fund.

Student Loan Review and Management:  If you have student loans we visit them and determine the best way to manage them.  We determine if you qualify for forgiveness and what you have to do to qualify for forgiveness.  And help negotiate an affordable way to manage the debt.

Credit Rehabilitation:  Many times people who are starting out or starting over have damaged credit.  We review your current credit scores with the 3 major credit reporting agencies and determine what can we done to improve your credit score and make you more credit worthy.

Insurance Review:  We look at the various risks you face and determine the best way to manage them.  Homeowner’s, Life, Disability Income Insurances are reviewed.  We look to maximize the tax and investment features of any cash value life insurance that might make sense for you.  I do not sell any products.  I give advice. 

Estate Planning:  We review you and your family’s needs for a Will, Durable Power of Attorney, Living Will and Health Care Proxy as well as the need for Revocable and Irrevocable trusts.  I am not an attorney and cannot prepare these documents for you.  I can recommend a licensed attorney who can prepare these documents.

Financial Guide and Mentor:  I may not have all the answers.  I do have some of the questions.  And I do know how and where to get most of the answers and put them into a perspective that makes sense for you. 

Business and Life Coaching: Creating a life of fulfillment.  Advice and Perspectives on navigating life’s transitions. 

Transitions:

• From employee to business owner

• Just Starting Out

• Starting Over from a divorce or bankruptcy

• Empty Nest

• Changing Careers

• Creating a Side-Hustle

• Retirement: It ain’t over until you are over. What are you going to do with the next 30 years of your life?

Starting Out:  Income is greater than Net Worth.  Early Career. Under 30.

Early Investor:  Net Worth is 1-3 times Income. Mid-career.  30-40 Something

Starting Over:  Divorced or Single 40 something female

Investor: Net Worth is 3-10 times Income.  40-65 something.

Empty Nestor:  Still working, kids are grown, mad dash to save for retirement.  50 something.

Freedom: Retired from work with 30 years in front of you.  Now what?!

Legacy Planner:  Net Worth is 10 or more times Income

Fees:  Range from $999 to $10,000+

Annual Retainer includes all the above. We will meet at least quarterly and more often in the first year of our retainer. This is an open retainer, meaning that you can request a meeting at any time and as often as is necessary on any topic or subject. Zoom or Teams is the preferred meeting place for our sessions. We can share desktop computer screens when needed. We use a secure file transfer system to share documents. This is a ‘do-with’ process. Not a ‘do-to’ process. We meet and work on the agenda for that session together during the session. We do things interactively in a collaborative manner.

The fee structure varies depending on what stage of your life and Net Worth. In the first year I usually cover my fee in tax savings and commissions or investment fee savings. The peace of mind from working with me is priceless. My goal is to be user friendly and affordable as your Net Worth grows over your lifetime.

Financial and Life Coaching:

Our financial coaching program includes life coaching. We find that people often struggle to achieve the quality of life they desire. Sometimes we self-sabotage or suffer from the imposter syndrome. We can’t seem to get out of our own way. We offer tools that use high speed mindset change modalities.

Sometimes we find people majoring in minor stuff. Or they are trying to maximize or strengthen their weaknesses rather than seeking to maximize and strengthen their strengths. We offer individual sessions, packages of sessions and a 12 week boot camp the help you level up the quality of your life.

We offer an assessment to learn what your top 5 strengths are. Then, we focus on architecting your life around your strengths. You will be working from your strength zone. Instead of feeling inadequate and always second guessing yourself, you will be living in your highest and best self and utilizing your unique gifts and strengths to enhance the quality of your life.

Connect with Bill and Get Started Now!