Financial Services

To develop a financial plan for your future, it's important for your financial professional to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.



At Keith Singer Wealth Management, we offer or can refer you to professionals providing the following services:

• Retirement Planning
• Wealth Accumulation
• Asset Protection
• Tax Planning
• Long Term Care Planning
• Estate Planning
• Probate
• IRA Legacy Planning
• Income Planning
• IRA & 401(K) Rollovers

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years.

These days, however, people are living longer. It's not unusual for someone retiring at age 65 to live to age 90 or longer. You should consider that you may need to plan for your nest egg to potentially last 25 to 30 years.

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Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation.

The longer you invest, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, given recent lessons learned in stock market investing, it is important to remember that more conservative retirement plans typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.

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In recent years, we’ve seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, we have experienced market scenarios in which there is very little safety anywhere—even for diversified portfolios.

Twenty-first century asset protection calls for more than just strategic asset allocation. Product allocation—buying instruments that can protect your portfolio from negative returns early in retirement—is generally considered a more effective means of protecting assets.

Diversifying your retirement assets among a variety of vehicles—both insurance and investment oriented, depending on what is appropriate for your situation—may offer you the best chance of meeting your retirement income goals throughout your lifespan.

Moreover, we live in a highly litigious society.  Many high net worth individuals are walking around as potential targets.  Therefore we must not only guard against investment loss but personal liability loss as well.  At Keith Singer Wealth Management, we understand the importance of evaluating financial and estate planning strategies that are potentially protected from claims of future creditors.

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In the US, we have entered an environment of rising taxes. That’s why it’s important now, more than ever before, to incorporate tax planning into your portfolio and all of your financial decisions.

Investing in a tax-favored vehicles can potentially allow for significant tax savings and consequently greater growth and net worth.

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As the oldest Baby Boomers begin to wind through their 50s, one of the biggest concerns may not be outliving income, but outliving good health..

For seniors, home health care can cost $50,000 or more per year(1), and nursing home care can run as high as $80,000(2). Does your retirement plan account for this kind of possibility?  Would you be prepared for twice that number as a married couple?

Considering that you have to exhaust virtually all of your financial means before Medicaid will pay for long-term care and neither your group nor major medical insurance will cover long-term care, it’s critically important to plan ahead and protect yourself from these costly expenses.

We can help evaluate your situation and determine if purchasing a long-term care insurance policy is the right move to help insure your future.

(1) Genworth Cost of Care Survey, 2010
(2) MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs, 2009

Neither the Company nor its agents or representatives may give tax, legal, or accounting advice. Individuals should consult with a professional specializing in these areas regarding the applicability of this information to his/her situation.

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A legal process that allows you to determine how your assets will be managed for your benefit if you are unable to do so, when certain assets will be transferred to others, either during your lifetime, at your death, or sometime after your death, and to whom those assets will pass.
Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses.

Many families have particular concerns related to a special needs child, the desire to keep their family wealth within their bloodlines or their attempt to assist their children with the management of inherited assets after their death.  In many cases these concerns are just as important as their desire to maximize the value of one's estate.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

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Probate is the potentially lengthy and costly legal process that oversees the transfer of your assets upon your death. If you do not create a will or set up a trust to transfer your property when you die, state law will determine what happens to your estate.  Without the correct estate planning,  there is a chance that the distribution of your assets may be expensive, time consuming and inconsistent with your wishes.

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IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy to reduce taxes and increase the payout your beneficiaries will inherit upon your death.

A properly structured IRA may provide your beneficiary(ies) a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiary’s lifetime. We can help you evaluate your financial scenario to determine if IRA legacy planning may be the best means for ensuring a long-lasting inheritance for your heirs.

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Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings – creating all the more reason to develop a retirement income plan designed to last a longer lifetime.

A significant investment loss in the years just prior to and/or just after you retire can have a devastating impact on the level of income you receive over the course of your life. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.

We can help you design an income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

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When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

• Leave the money where it is
• Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
• Transfer the money to another employer plan (if the plan allows)
• Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

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All investments involve risk and are subject to loss.  Past performance is no guarantee of future results.  Investment returns and principal will fluctuate so that their values may be worth more or less than their original cost.  Any guarantees associated with these investments are made by an insurance company and are subject to the claims paying ability of that insurance company.   Clients should read the prospectuses and consider this information carefully before investing.

SummitAlliance does not offer and no statement contained herein shall constitute tax, legal or accounting advice. You should consult your own legal or tax professional on any such matters.

To schedule a time to discuss your financial future, contact us at ksinger@sa-secs.com or call us at (954) 462-3300 today!

SummitAlliance Securities, LLC does not give tax, legal, or accounting advice. Individuals should consult with a professional specializing in these areas regarding the applicability of this information to his/her situation.