Hi,
If you had investments in 2008, you remember the feeling. In a matter of months, portfolios were cut in half. People who were a year or two from retirement watched decades of savings evaporate. Can it possibly happen again?
The good news is that 2008 didn’t have to be a catastrophe. Those who had a plan and a steady hand didn’t always panic and sell at the bottom – they had cash set aside, adjusted their timeline, and most came through it intact.
Financial planning – it’s what made the difference and a market drop is only one of the forces that can quietly derail you. Real financial planning looks at all of it:
- Taxes – keeping more of what you earn, year-round, not just at filing time
- Investments – a strategy built around your goals and your timeline, not the headline of the month
- Retirement – how much you’ll need, when you can step back, and when to claim Social Security (which is on shakier ground than most people realize)
- Protecting what you’ve built – so one bad year, lawsuit, or downturn doesn’t undo decades of work
- Passing it on – making sure your wealth reaches your family the way you intend, with as little lost to taxes as possible
For most people, these pieces sit with different professionals who never talk to each other, so no one is actually looking at the whole picture – and that’s exactly where things slip through the cracks.
That’s why we bring it together under one roof – your financial planning team and your tax team working as one. Here’s exactly what we can do:
- A written financial plan – your goals, cash flow, and net worth mapped out and kept current as life changes
- Year-round proactive tax planning – ongoing moves, including Roth conversion analysis, to cut what you owe instead of scrambling once a year
- Annual review with both teams in the room – so every piece stays aligned as the markets and the tax laws shift
- Personal and business tax returns – prepared based on the financial and tax plan
This is the kind of review most people never get until something has already gone wrong. The whole point is to do it before the next downturn, not in the middle of one.
Reply to this email by Monday next week and we’ll set up a free 15 minute session with both financial and tax teams. Bring your most recent tax return and a recent investment statement or two – so we can give you real answers about where you stand and what to fix first, not generalities.
Sincerely,
—
George Dimov, CPA
Licensed and Insured
(833) 829-1120 toll free
(212) 994-8081 Fax
www.dimovtax.com