Our Financial Services
Our retirement services are varied because your retirement needs are.
Your situation is different from the couple you eat out with or your next-door neighbor.
While many of the strategies for building a more successful retirement are the same, when and how we implement these strategies may change based on your individual circumstances.
For every retiree and pre-retiree who comes into our office – we sit down, spend time with them and answer any concerns or questions they may have while we genuinely get to know them and their retirement goals.
We then partner together to design a plan that they are happy with and that’s a good fit for their situation.
Our Services
Investment Management
Grow Your Wealth with Strategic Investment Strategies
Investment planning is crucial to building and preserving wealth throughout your retirement.
At Rubino & Liang Wealth Partners, we specialize in developing investment strategies that align with your financial goals, risk tolerance, and timeline.
Introduction to Investment Planning
Growing your wealth sustainably requires a strategic approach to investments. We understand the unique challenges faced by retirees, including market volatility and the need for reliable income.
Our team crafts investment plans designed to optimize returns while mitigating risks.
Key Challenges in Investment Planning
The path to successful investment planning is paved with challenges such as market uncertainty, tax implications, inflation risks, and the need for diversified portfolios.
We address these challenges through meticulous planning and proactive management.
Our Approach to Investment Planning
- Goal Alignment: We begin by understanding your financial goals, risk tolerance, and time horizon for investments.
- Strategic Asset Allocation: Based on our assessment, we design a diversified investment portfolio tailored to your needs, incorporating both growth and income-oriented assets.
- Risk Management: We implement risk management strategies to protect your wealth against market downturns and economic fluctuations.
- Continuous Monitoring: Our team monitors your investments regularly, making adjustments as necessary to optimize performance and align with your evolving goals.
Ready To Grow Your Wealth With A Tailored Investment Strategy?
Our Services
Retirement Income
Secure Your Financial Future with Tailored Income Strategies
Navigating retirement income planning requires foresight and expertise. As you prepare to transition into retirement, ensuring a steady and reliable income stream is crucial.
At Rubino & Liang Wealth Partners, we specialize in crafting personalized income plans that align with your financial goals and lifestyle needs.
Introduction to Investment Planning
Growing your wealth sustainably requires a strategic approach to investments. We understand the unique challenges faced by retirees, including market volatility and the need for reliable income.
Our team crafts investment plans designed to optimize returns while mitigating risks.
Key Challenges in Investment Planning
The path to successful investment planning is paved with challenges such as market uncertainty, tax implications, inflation risks, and the need for diversified portfolios.
We address these challenges through meticulous planning and proactive management.
Our Approach to Investment Planning
- Goal Alignment: We begin by understanding your financial goals, risk tolerance, and time horizon for investments.
- Strategic Asset Allocation: Based on our assessment, we design a diversified investment portfolio tailored to your needs, incorporating both growth and income-oriented assets.
- Risk Management: We implement risk management strategies to protect your wealth against market downturns and economic fluctuations.
- Continuous Monitoring: Our team monitors your investments regularly, making adjustments as necessary to optimize performance and align with your evolving goals.
Our Services
Tax Planning
Optimize Your Tax Strategy for a More Secure Retirement
Navigating the complexities of tax laws and regulations is essential to maximizing your retirement income and preserving your wealth.
At Rubino & Liang Wealth Partners, we specialize in creating tax-efficient strategies tailored to your unique financial situation.
If you’ve been working for 40+ years, there is a VERY high chance that you’ve had the “pleasure” to pay your share of taxes.
So why is it such a surprise to recent retirees as to how much they end up paying in taxes when they enter retirement?
Because they didn’t create a tax planning strategy to help minimize their taxable income in retirement.
It’s been said before, but there’s a not-so-silent “partner” on your retirement accounts – Uncle Sam.
So, as part of our 365 Retirement Planning Process, we invested in software to help make the financial planning process more efficient, while creating more value for every client.
Effective tax planning is critical to minimizing tax liabilities and maximizing after-tax income in retirement.
We understand the impact of changing tax laws on your financial plan and work diligently to optimize your tax strategy.
Key Challenges in Tax Planning
Tax planning involves addressing challenges such as navigating evolving tax laws, managing income distributions, optimizing deductions, and planning for estate taxes.
Our expertise ensures your tax strategy is aligned with your retirement goals.
Our Approach To Tax Planning:
Using advanced OCR technology, our software can read a tax return and creates a customized, white labeled tax report complete with relevant observations in just seconds. Yes, seconds.
The same OCR technology also pre-fills a scenario analysis screen allowing us to immediately identify key income break points for tax planning opportunities like ROTH conversions, tax-efficient withdrawals, charitable giving, and much more.
Our software brings tax planning to us, so we can bring it to every client.
Why take the time to go over your tax planning situation NOW?
- Your Income Bracket May Change: You might think you will be in a lower tax bracket in retirement, but that might not be the case if you’re just withdrawing from your retirement accounts in a disorderly fashion or order.
- Tax Laws Change: Sometimes the devil you know is better than the devil you don’t. Tax rates MAY go up in the future, especially since we are at historic lows and we have a rising national debt. So if you are a few years away from retirement, how can you leverage today’s low tax rates to protect your income in retirement?
- Optimize Your Streams Of Income: Why it is beneficial for you to plan out today what accounts your streams of income (SS, 401k withdrawals, Roth, cash-value life insurance, etc.) will be for 2024 (& beyond)
Ready to optimize your tax strategy for a more secure retirement?
Our Services
Social Security Planning
When to claim your Social Security benefit is a one-time decision that impacts your monthly income for a lifetime. This income has an impact on your other retirement savings.
So, we help you determine the best time to begin collecting your Social Security.
We must consider factors such as other income sources, when you stop working, and the tax status of your retirement savings.
Other sources of income include:
- Uncovered Pensions
- Rental Income
- Required Minimum Distributions
- Dividends and Interests
- Capital Gains
Other Considerations when factoring your ideal time to start taking Social Security:
- Personal Preferences
- Family Health Conditions
- Spousal Benefits
Our Approach To Social Security Planning:
Although there are similarities in advice that would apply to families across the board, there are subtle differences to consider that would make Social Security advice unique for you.
By analyzing your entire financial picture, we can choose a Social Security timing strategy that reduces your tax bill in retirement and optimizes your income stream.
Want to learn more about optimizing your Social Security Timing?
Our Services
Health Care Planning
Managing healthcare costs is crucial to maintaining your quality of life in retirement. We understand the financial implications of healthcare expenses and offer tailored solutions to protect your wealth.
Key Challenges in Healthcare Planning
Healthcare planning involves navigating challenges such as rising medical costs, understanding Medicare and Medicaid benefits, selecting appropriate insurance coverage, and preparing for potential long-term care needs.
Our retirement planning process ensures your healthcare plan meets your needs and budget.
Our Approach to Healthcare Planning
- Needs Assessment: We conduct a thorough assessment of your healthcare needs, including current and future medical expenses.
- Medicare & Medicaid Guidance: Based on our assessment, we provide guidance on Medicare and Medicaid options, maximizing benefits while minimizing out-of-pocket costs.
- Insurance Solutions: We help you select suitable health insurance coverage that aligns with your healthcare needs and financial goals.
- Long-Term Care Planning: Our team develops strategies to fund potential long-term care expenses, ensuring you have the necessary resources without depleting your savings.
Ready to prepare for rising healthcare costs with a personalized plan?
Our Services
Estate Planning
Protect Your Legacy with Strategic Estate Planning
Estate planning is essential to ensuring your assets are distributed according to your wishes and minimizing tax implications for your heirs.
At Rubino & Liang Wealth Partners, we specialize in creating customized estate plans that preserve your legacy and support your family’s financial future.
Planning for the transfer of wealth is a critical aspect of retirement planning.
We understand the importance of preserving your legacy and offer comprehensive estate planning services tailored to your unique circumstances.
Key Challenges in Estate Planning
Estate planning involves addressing challenges such as minimizing estate taxes, ensuring a smooth transfer of assets, establishing guardianship for minor children, and creating charitable legacies.
Our expertise ensures your estate plan reflects your wishes and protects your loved ones.
Our Approach to Estate Planning
- Asset Review: We conduct a thorough review of your assets, liabilities, and beneficiaries to understand your estate planning needs
- Customized Solutions: Based on our review, we develop a customized estate plan that includes wills, trusts, powers of attorney, and healthcare directives.
- Tax Mitigation Strategies: We implement strategies to minimize estate taxes and maximize the value of your estate for your heirs.
- Legacy Planning: Our team helps you create charitable giving strategies and establish trusts to support future generations and philanthropic causes.
Ready to protect your legacy with a strategic estate plan?
The 365 Retirement Plan Process:
Schedule An Introductory Phone Call
This phone call will give us both a chance to make sure your situation matches our expertise. After all, you wouldn’t see a podiatrist if you needed heart surgery!
Build Your Plan
Work with our team to create a comprehensive strategy that coordinates all aspects of your personal and financial situation. We provide specific recommendations on how to accomplish your retirement goals.
Enjoy Less Stress
Start feeling confident, content, and secure with your retirement situation. You might even sleep better!