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Strategies

Financial and Wealth Management StratgiesRetirement

When will you retire? Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, personal savings and investments are expected to play a role.

Retirement planning is dynamic, due to the changing tax laws and individuals circumstances of our clients. It demands continued and careful analysis, proper asset allocation and implementation. Most importantly, we create potential retirement-income sources for our clients which allow them to flexibly adapt as their life unfolds.

Investments

The media tells us that investing is easy just “buy low and sell high” yet most people don’t understand what that means. Our investment philosophy is based on principles and strategies that allow you to create an investment portfolio that reflects your risk tolerance, planning horizons, and unique goals.

Lucido-Morris Wealth Management offers a full spectrum of investment through Park Avenue Securities, LLC (PAS).

Park Avenue Securities, LLC offers a wide variety of trading platforms that provide the flexibility to trade securities in the manner most beneficial to you, and includes stocks, bonds, mutual funds, Exchange-Traded Funds(ETFs), unit investment trusts, options and variable contracts.

Insurance

A well-structured insurance strategy is fundamental to an individual family or business. The economic loss that can result due to death, disabling injury or sickness can be devastating. A solid insurance strategy can help protect your loved ones from the financial consequences of unexpected events. Insurance strategies includes: life insurance, disability insurance, and long term care insurance.

Business and Estate Planning

Adequate estate management assists in the implementation of strategies to ensure you manage your affairs during your lifetime and control distribution of your wealth after death. We help owners and executives plan their personal estates to ensure maximum distribution and conservation to future generation.

Tax Solutions

Understanding tax strategies can potentially help you better manage your overall tax situation. Recognizing that some taxes can be deferred, and others can be managed through tax-efficient investing. With precise and consistent preparation, you may be able to manage the impact of taxers on your financial efforts.

College Education

For many people there is no financial objective more important than providing an education for their children, whether that be fully funding their college education costs or helping out at various levels. We will develop a strategy that takes into effect the age of your children, who is contributing the capital, what are the potential tax and financial implication.