Our Services
Leveraged & Tax Efficient Solutions for Income Planning
Financial Planning
At The Iter-Silva Financial Group a main goal of our Holistic Planning is to help you create and implement retirement income strategies that:
- Maximize Retirement Income Streams
- Reduce or Eliminate Income Tax Liabilities and Maximize Tax Efficiency
- Address and Manage Overall Retirement Portfolio Risks
- Coordinate Public and Private Retirement Programs
- Evaluate Pre-tax and After-Tax Funding and Cashflows and Roth-Conversion Opportunities
- Consider Alternative Asset and Leveraged Approaches
- Factor in both Expected and Unexpected Medical Expenses and Life Contingencies
Taxes can rise, fall, or stay the same, and no matter what tax rates do, you can control how much taxable income you have each year. Through forward tax planning, we can help you plan your retirement income streams and choose the strategies and vehicles for getting the most out of your Social Security, Pension Programs, and Investments.
Your CPA and tax-preparer might be ideal Micro-Tax technicians, focused entirely on maximizing each year’s April 15th deduction. Our focus is on Macro tax-planning, where we evaluate the total tax liability your retirement portfolio can face across the entirety of your retirement years, and take positive steps to mitigate and manage that total liability.
At The Iter-Silva Financial Group, we help our clients employ investment solutions that have [a] track records of aligning client objectives with performance.
We work with our clients to create investment strategies that build family legacies and reduce income tax liabilities, that help allow our clients a fulfilling and financially worry-free retirement. We match your goals, your timeframe, your liquidity needs and risk tolerances with strategic and tactical investment programs that are transparent, measurable, reasonable, and based on solid economic research, not headlines, fads and soundbites.
By relying on established professional asset advisory firms to guide and manage our clients’ portfolio allocations with long-term goals and platform discipline, we can focus upon the preservation of wealth and opportunities for growth during both the accumulation and distribution phases of retirement planning.
As a Certified Financial Fiduciary, our role includes educating and supporting our clients on:
- Behavioral investment management;
- Illustrating tax efficiency and tax drag in your financial planning options;
- Initial asset allocation placement to provide the appropriate types of diversification;
- On-going “frontside” and “backside” portfolio re-allocation and re-balancing;
- Distribution planning, helping you understand from which asset pool to draw income first, and why.
How are your current life policies and annuity contracts performing?
The last decade has seen dramatic improvements to the design and features of life insurance policies and annuity contracts…
- Are your current life policies and annuity contracts performing as expected?
- Do they provide tax-efficient Living Benefits?
- Are they in danger of imploding or collapsing?
- Are the beneficiary designations current and accurate?
- Are those contracts’ internal costs above or below industry average for the benefits they are providing?
- Is there a better, more efficient way to meet your current policy’s or contract’s objectives?
- Do you have too many guarantees or too few?
- Does it make sense to exchange an older contract for a newer one?
These are not simple or obvious questions. In our Fiduciary capacity, and as insurance professionals, we can help you evaluate whether an insurance or annuity exchange is in your best interest.
Are you seeking guaranteed retirement income, lifetime increasing income, income that tracks inflation or increases with market gains?
We work with dozens of highly-rated Insurance Companies to provide a broad selection of retirement income and accumulation annuity products designed to fit your needs: Immediate Income, Fixed Annuity or Multi-Year Guaranteed Annuities (MYGAs), Fixed Indexed Annuities (FIAs), and proprietary Hybrid Annuities. We will demonstrate how the proper use of an annuity contract can both transfer investment and longevity risk to a highly-rated carrier, and also reduce pressure on other parts of your retirement income portfolio so as to maximize income and opportunity for your plans.
At The Iter-Silva Financial Group you can work with a team of specialists who will help you prepare and execute a Legacy Plan that is right for you and your beneficiaries.
Legacy Planning is the Orderly, Intentional, and Planned Transfer of Assets across generational lines.
Estate and Legacy Plan is not simply a set of documents. Your state-compliant Will, Living Trust, Durable Powers of Attorney, Advanced Medical Directives, these are vital legal documents that codify your Legacy Plan’s instructions, but they are neither your Plan nor your Legacy Planning process. Let us help you establish (or update) your Legacy Plan and planning documents so that your Financial and Retirement Plans coordinate with your Legacy & Estate Plans. To facilitate your planning efforts we will work with your own drafting attorney, refer you to a local provider, or help you utilize an online software service. A great resource and place to begin: My Legacy Lock, an online software service that provides state compliant, attorney-drafted, comprehensive Legacy Planning documents at a fraction of the traditional costs. We encourage all our clients to visit the site and look through the videos and great educational FAQ pages, as we travel together along the Legacy Planning process. My Legacy Lock
Taking the first step along the estate planning process is easier than you think, and we can help with “The Talk” to get family Legacy Planning moving.
At The Iter-Silva Financial Group a main goal of our Holistic Planning is to help you create and implement retirement income strategies that:
- Maximize Retirement Income Streams
- Reduce or Eliminate Income Tax Liabilities and Maximize Tax Efficiency
- Address and Manage Overall Retirement Portfolio Risks
- Coordinate Public and Private Retirement Programs
- Evaluate Pre-tax and After-Tax Funding and Cashflows and Roth-Conversion Opportunities
- Consider Alternative Asset and Leveraged Approaches
- Factor in both Expected and Unexpected Medical Expenses and Life Contingencies
At The Iter-Silva Financial Group, we help our clients employ investment solutions that have [a] track records of aligning client objectives with performance.
We work with our clients to create investment strategies that build family legacies and reduce income tax liabilities, that help allow our clients a fulfilling and financially worry-free retirement. We match your goals, your timeframe, your liquidity needs and risk tolerances with strategic and tactical investment programs that are transparent, measurable, reasonable, and based on solid economic research, not headlines, fads and soundbites.
By relying on established professional asset advisory firms to guide and manage our clients’ portfolio allocations with long-term goals and platform discipline, we can focus upon the preservation of wealth and opportunities for growth during both the accumulation and distribution phases of retirement planning.
As a Certified Financial Fiduciary, our role includes educating and supporting our clients on:
- Behavioral investment management;
- Illustrating tax efficiency and tax drag in your financial planning options;
- Initial asset allocation placement to provide the appropriate types of diversification;
- On-going “frontside” and “backside” portfolio re-allocation and re-balancing;
- Distribution planning, helping you understand from which asset pool to draw income first, and why.
How are your current life policies and annuity contracts performing?
The last decade has seen dramatic improvements to the design and features of life insurance policies and annuity contracts…
- Are your current life policies and annuity contracts performing as expected?
- Do they provide tax-efficient Living Benefits?
- Are they in danger of imploding or collapsing?
- Are the beneficiary designations current and accurate?
- Are those contracts’ internal costs above or below industry average for the benefits they are providing?
- Is there a better, more efficient way to meet your current policy’s or contract’s objectives?
- Do you have too many guarantees or too few?
- Does it make sense to exchange an older contract for a newer one?
These are not simple or obvious questions. In our Fiduciary capacity, and as insurance professionals, we can help you evaluate whether an insurance or annuity exchange is in your best interest.
Are you seeking guaranteed retirement income, lifetime increasing income, income that tracks inflation or increases with market gains?
We work with dozens of highly-rated Insurance Companies to provide a broad selection of retirement income and accumulation annuity products designed to fit your needs: Immediate Income, Fixed Annuity or Multi-Year Guaranteed Annuities (MYGAs), Fixed Indexed Annuities (FIAs), and proprietary Hybrid Annuities. We will demonstrate how the proper use of an annuity contract can both transfer investment and longevity risk to a highly-rated carrier, and also reduce pressure on other parts of your retirement income portfolio so as to maximize income and opportunity for your plans.
Taxes can rise, fall, or stay the same, and no matter what tax rates do, you can control how much taxable income you have each year. Through forward tax planning, we can help you plan your retirement income streams and choose the strategies and vehicles for getting the most out of your Social Security, Pension Programs, and Investments.
Your CPA and tax-preparer might be ideal Micro-Tax technicians, focused entirely on maximizing each year’s April 15th deduction. Our focus is on Macro tax-planning, where we evaluate the total tax liability your retirement portfolio can face across the entirety of your retirement years, and take positive steps to mitigate and manage that total liability.
At The Iter-Silva Financial Group you can work with a team of specialists who will help you prepare and execute a Legacy Plan that is right for you and your beneficiaries.
Legacy Planning is the Orderly, Intentional, and Planned Transfer of Assets across generational lines.
Estate and Legacy Plan is not simply a set of documents. Your state-compliant Will, Living Trust, Durable Powers of Attorney, Advanced Medical Directives, these are vital legal documents that codify your Legacy Plan’s instructions, but they are neither your Plan nor your Legacy Planning process. Let us help you establish (or update) your Legacy Plan and planning documents so that your Financial and Retirement Plans coordinate with your Legacy & Estate Plans. To facilitate your planning efforts we will work with your own drafting attorney, refer you to a local provider, or help you utilize an online software service. A great resource and place to begin: My Legacy Lock, an online software service that provides state compliant, attorney-drafted, comprehensive Legacy Planning documents at a fraction of the traditional costs. We encourage all our clients to visit the site and look through the videos and great educational FAQ pages, as we travel together along the Legacy Planning process. My Legacy Lock
Taking the first step along the estate planning process is easier than you think, and we can help with “The Talk” to get family Legacy Planning moving.
A Sampling of Companies We Work with:
A Sampling of Companies We Work with:
Insurance Services
With properly designed and correctly funded insurance coverage, we can be confident knowing that our loved ones will be protected and our financial plans supported with tax-privileged benefits.
Whether it's Personal Life Insurance to support your family or fund your Legacy Plan, term or permanent coverage, whole life, universal life, or indexed universal life, our design and underwriting teams will help you find the best life insurance contract to fit your needs. We have the unique skillset and experience to correctly employ life insurance within Business applications: Deferred Compensation Programs, Key Person Coverage, and Buy-Sell Agreement Funding.
Across the last decade life insurance contracts have reduced contract costs, enhanced features and flexibility, and become even more a tax-efficient and privileged alternate asset class. Life insurance is more than a loving gesture.
No one plans to get sick or hurt, but most people need medical care at some point.
Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible. Our affiliates can help you find the perfect coverage to meet your needs and budget.
Health Insurance coverage can pay your medical bills; Disability Insurance protects the largest asset most of us never think about: our long-term ability to earn income. If you become disabled, a Disability Policy can replace your lost wages.
Long-term, chronic disability is “The Living Death.” We can help protect you and your family.
Few risks pose a greater challenge to a successful retirement plan than an extended Long-Term Care event. If you spend 24 – 36 months (or longer) in a skilled nursing facility where do the funds to pay that $6,000 - $8,000 per month come from, plus the other living expenses you already have? Can you afford to have in-home health providers support you and your family?
Spending down all your assets to enter a public-care facility may be a last-ditch solution, but that approach is hardly good planning.
There are Long-Term Care coverage options that exist beyond the traditional “use-it or lose-it” policies. Some Long-Term Care policies can serve multiple functions for your retirement plan by building up internal cash values or death benefits so that if the long-term care event never happens, you, your spouse, or your beneficiaries can still benefit from your smart planning.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Stroke, Cancer, Heart Attack. If you are diagnosed with one of the “Big Three” critical health challenges, these policies pay a one-time benefit: $5,000 to $50,000 for you to use for whatever purpose as you get the medical care and support you need.
In addition to “stand-alone” Critical Illness policies, we have access to well-designed life insurance contracts that have a Critical Illness benefit built-in.
With properly designed and correctly funded insurance coverage, we can be confident knowing that our loved ones will be protected and our financial plans supported with tax-privileged benefits.
Whether it's Personal Life Insurance to support your family or fund your Legacy Plan, term or permanent coverage, whole life, universal life, or indexed universal life, our design and underwriting teams will help you find the best life insurance contract to fit your needs. We have the unique skillset and experience to correctly employ life insurance within Business applications: Deferred Compensation Programs, Key Person Coverage, and Buy-Sell Agreement Funding.
Across the last decade life insurance contracts have reduced contract costs, enhanced features and flexibility, and become even more a tax-efficient and privileged alternate asset class. Life insurance is more than a loving gesture.
No one plans to get sick or hurt, but most people need medical care at some point.
Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible. Our affiliates can help you find the perfect coverage to meet your needs and budget.
Health Insurance coverage can pay your medical bills; Disability Insurance protects the largest asset most of us never think about: our long-term ability to earn income. If you become disabled, a Disability Policy can replace your lost wages.
Long-term, chronic disability is “The Living Death.” We can help protect you and your family.
Few risks pose a greater challenge to a successful retirement plan than an extended Long-Term Care event. If you spend 24 – 36 months (or longer) in a skilled nursing facility where do the funds to pay that $6,000 - $8,000 per month come from, plus the other living expenses you already have? Can you afford to have in-home health providers support you and your family?
Spending down all your assets to enter a public-care facility may be a last-ditch solution, but that approach is hardly good planning.
There are Long-Term Care coverage options that exist beyond the traditional “use-it or lose-it” policies. Some Long-Term Care policies can serve multiple functions for your retirement plan by building up internal cash values or death benefits so that if the long-term care event never happens, you, your spouse, or your beneficiaries can still benefit from your smart planning.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Stroke, Cancer, Heart Attack. If you are diagnosed with one of the “Big Three” critical health challenges, these policies pay a one-time benefit: $5,000 to $50,000 for you to use for whatever purpose as you get the medical care and support you need.
In addition to “stand-alone” Critical Illness policies, we have access to well-designed life insurance contracts that have a Critical Illness benefit built-in.