Retire With Confidence
Sachs Financial
Sachs Financial provides comprehensive financial advice to clients in the St. Louis area with a customized, one–on–one level of attention that only a boutique financial firm can provide.
Retirement can be a welcomed change for many people. It’s a chance to take a break from the headaches and stress of work and to spend more time with the ones you love. It’s a time to be able to enjoy all of the things that bring meaning to your life. To be successful in retirement takes the same type of focus and dedication you had while you were working. It takes planning, timing, and ongoing maintenance. The job of identifying and removing the risks in retirement is what we at Sachs Financial have done for over a decade.
It’s Time To Get On Track
OUR SERVICES
We believe it’s important for our clients to understand everything we do because when life happens, your goals and financial needs may change. At Sachs Financial we put you first – helping you find exactly what you are looking for to chart a stress-free journey into your golden years.
Income Planning
The biggest obstacle for many couples and families is figuring out how they will fund retirement. If you’re like most people, qualified retirement plans, Social Security, personal savings, and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement income sources.
Wealth Management
As you build your portfolio brick by brick, it becomes increasingly necessary to keep track of every asset. Unlike when you make investments, where the first investment was likely cultivated with the utmost care, the last one you made might be forgotten about almost the second the money has been transferred. We will work with you to understand your risk tolerance while listening to you and understanding your financial goals to help create a customized plan for you.
Learn More About Our Wealth Management Plans
Tax Planning
Taxes are often our single largest expense in life; that’s why we provide tax planning services with a keen awareness and command of tax law and how it pertains to your investments. When you plan your taxes in accordance with the rest of your assets, the numbers may look a lot different than you’re used to seeing. If you want to prepare for retirement, you may need a little more breathing room in your finances to make the right investments today.
Healthcare & Long-Term Care
Long–Term Care insurance may be something that you’ve heard about in passing from friends or family. This specific type of policy is designed to protect your finances in case of injury or illness. As you likely already know, even the best medical insurance in the world can’t account for the many incidental expenses of extended care. If you want to learn more about how this can impact your retirement portfolio, reach out to a member of our team today.
Legacy & Estate Planning
Help protect your assets and legacy for your loved ones while controlling the way in which your money is passed down. While estate planning can be complex, a well-informed plan can make a big difference. Our team can help you communicate your wishes clearly, avoid mistakes, minimize taxes, and adjust your plans as time goes by or your circumstances change. We know how personal these issues are for our clients and are empathetic in dealing with people and the dynamics of every situation.
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Retirement Resources
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The 2024 Tax Planning Guide
Your Roadmap To Reduced Taxes
We believe it’s important that you look to employ tax diversity in your retirement plan. Different types of investments can impact your taxes differently. Having accounts that receive varying tax treatments is a key strategy. You should work with a qualified professional to help determine exactly how much you should have in each tax “bucket” to help minimize your overall tax burden in retirement.
While the tax code can be incredibly complex, you still need to stick to the basics when it comes to filing and preparing your tax returns. So, here are our 5 tips to help you better prepare for tax filing this year.
Retirement Compensation Plan (RCP)
Do I Need An RCP?
You wouldn’t start a new job or a career without having a compensation plan, so why start retirement without one?
The Sachs Financial Retirement Compensation Plan (RCP) is a step-by-step guide detailing retirement income, inflation protection, and long-term risk reduction that seeks to replicate the same income structure you had while you were working.
