As an independent registered investment advisor, we provide unbiased advice in helping you select which investments to choose. Let a local RPA investment professional help you plan your financial future!
Mutual Fund Investing
Annuities
Education Funding: Coverdell & 529 Plans
Individual Retirement Accounts (IRAs)
Insurance
After a thorough and careful financial discovery with you, our representatives analyze your personal financial situation -- risk tolerance, time horizon, liquidity needs, and retirement goals -- and create an asset allocation strategy for you. Our independence allows us to deliver unbiased recommendations and work with the universe of fund options; we can choose from a comprehensive mix of global, international and domestic funds to meet the needs of nearly every investor.
Our representatives frequently recommend investing in mutual funds, in addition to or in place of individual stocks and bonds. They may recommend a number of funds, and will help you choose specific funds to fit with your personalized asset allocation.
The number one reason to invest in mutual funds is diversification, which can both increase your potential returns and decrease your overall risk. With pooled assets, mutual funds provide advantages that would be difficult for individual investors to find on their own; they allow an investor to spread out their assets across many companies at one time.
Mutual funds can be especially advantageous for small investors who would be forced to pay multiple transaction fees if they bought the securities individually, and for investors who either don't have the time to research their own investments or who don't trust their own investment expertise.
Liquidity -- the ability to readily access your money -- is another benefit of mutual funds.
Contact Your RPA Representative about investing today!
As an independent firm, Retirement Plan Advisors is able to offer a broad spectrum of investment solutions and products to meet your financial planning needs. We are not product-driven, but rather goal oriented -- making suitable recommendations of appropriate investment vehicles to meet the needs you have described, along with issues we may have presented, such as tax or estate planning. After you have the opportunity to meet with one of our representatives and review your personal goals, our analysis may indicate that an annuity is a suitable choice for your situation and goals.
Clients who tell us they are investing for the long term, interested in adding to their retirement savings, or looking for tax-deferred earnings on their money may be good candidates for an annuity. Annuities now have features that: will guarantee you an income for a period of time or the duration of your life, offer you the opportunity to manage your own investments, or conversely, have someone else manage the investments. And some annuities give you control over your income and how much you receive, and allow you to enhance your tax and estate planning. Annuities are insurance products and may have fees higher than a direct mutual fund investment.
Contact Your RPA Representative about investing today!
Retirement Plan Advisors recognizes that saving and paying for education expenses can create a major departure from working toward your retirement goals. Our representatives are versed in education savings programs, including the Coverdell Education Savings Account (ESA), 529 Plans, and other choices.
Parents, grandparents, relatives or friends who wish to start a savings program to meet a child’s future educational needs should speak with a representative today to learn about the tax advantages and opportunities available to accomplish their goals.
Did you know that distributions taken from a Coverdell ESA for qualified education expenses, including elementary and secondary education, are federal income tax-free?
Those who wish to start an investment plan for a child’s higher education may consider a 529 Plan. Relatives and friends can open or add to an account for any beneficiary. The investment grows tax-deferred, and distributions taken for qualified higher education expenses, such as tuition, room, board and required books and supplies, are federal income tax-free.
Education opens the door of opportunity for a child. Contributing to a savings plan to help pay for that education allows you to leave your legacy and receive potential gift- and estate-tax benefits. Contributing to the account is also a special way to celebrate birthdays, holidays, and graduations -- or simply everyday occasions.
Not sure which plan is right for you? Contact Your RPA Representative today.
Creating a successful retirement plan for our clients is the primary principal that drives Retirement Plan Advisors. Our representatives are seasoned at helping you prepare for your retirement -- the single largest financial goal in your lifetime.
You may already be taking advantage of an employer-sponsored retirement plan. The rest of the savings toward your successful retirement are considered personal. We highly recommend using the tax laws to their greatest advantage by funding an Individual Retirement Account, when appropriate.
IRAs were established by Congress to help individuals save for retirement on their own. There are two primary types: the traditional IRA and the Roth. Each one works a little differently and includes different benefits; our representatives are happy to review your options, along with your current savings and retirement goals to help you learn which one might be most advantageous.
Not sure which IRA is right for you? Contact Your RPA Representative today.
Whether you're insuring a car, your home, or your family's future, Retirement Plan Advisors offers a broad range of insurance products and protection solutions. While unexpected loss isn't part of anyone's personal plans, it should always be considered in financial planning.
Adequate insurance is an important component of sound financial planning. Our financial advisors integrate risk management planning and insurance into the overall development of your complete financial plan.
Through a detailed analysis of your personal financial situation, we can determine the adequacy of your current coverage and make recommendations to coordinate your life insurance policies with your retirement and estate plans, striving to provide the best financial support for surviving family members. In addition, we also offer disability insurance that frequently surpasses traditional employer-offered plans. Home, vehicle and long-term care insurances are reviewed too, as is the newly introduced identify theft protection.
It is important to remember that our lives are constantly evolving, and each change can affect our financial situation and needs. Annual policy reviews with your financial advisor should be part of any insurance protection strategy.
Contact Your RPA Representative today to discuss your insurance needs.