Let's face it..

What we want is an honest conversation with our investment advisor. We want a relationship of trust, sincerity, and honesty. A relationship where our advisor puts us first. After all, our financial wellbeing is of utmost importance to us.

Our core values, wants, desires and needs are all tied up in our financial well-being. Our valued relationships with our family and others are deeply affected by our financial well-being. So, it’s important that our investment advisor considers this and above all, places our interests first. But before we can begin on this journey of trust and honesty, we need to ask a few questions of you and truly understand you and your situation. We want to understand your background and your family. We want to review your investment statements, your tax returns and your estate planning documents. We want to examine how your investments fit in with your taxes and your estate planning. You may be in a high tax bracket or a low one. You may have a sophisticated trust or a simple will. We believe that this is all needs to be considered, and we (and/or our affiliates) can be engaged to do so.

When was the last time your investment advisor asked for a copy of your tax return or even looked at your tax return? How can your investments be properly structured without knowing what your estate plan says or what your tax documents say? In this world filled with hype and everybody promoting their latest gizmo or investment product, isn’t it important that somebody took the time to see that your investments are not only proper, but properly structured?

But the journey doesn’t end there, because as your lives change, so will your wants and needs. The investment advice will continually change as lives change.

Consistent, regular meetings are recommended to take advantage of the numerous financial and tax opportunities that will come your way on this journey.

Questions should be asked and answered. Questions such as:

  • Are my investments consistent with my risk tolerance?
  • Are my investments causing me to pay too much tax?
  • The tax law changed, what can I do to take advantage of the changes?
  • Are my investments titled properly, consistent with my estate planning?
  • How does creditor protection fit in with my investments?
  • How do I reduce the tax bill on my IRA?
  • How do I reduce the tax I pay on my Required Minimum Distributions (RMDs)?
  • How do Roth Conversions work, and are they right for me?
  • How about paying for college expenses for my grandchildren?

Of course, there will be other questions and opportunities which will arise as time goes on.

“At Hedeker Wealth, it is not only important that your investments earn money, but that you keep the money you earn.”