Individual Financial Planning

In a world crowded with new investments, changing tax laws, rapidly evolving insurance products, and volatile economic scenarios, you may be looking for clear direction in your financial life. While books, magazines, and the Internet offer helpful tools, only a financial planning professional can bring training, experience and judgment to the task of helping you consolidate the aspects of your financial life into one coordinated plan. Financial planning is the process of identifying your goals, and creating a strategy for making your life’s dreams become reality. It starts with a Financial Review.

The Financial Review provides a snapshot of your current situation and addresses ways to apply your current assets toward future goals. We address key components of your financial structure including personal balance sheet, cash flow and taxes, investments, college financing, retirement, and estate planning. Your Financial Review is your personal road map designed to guide you to financial security. Simply contact us at MASINMISKO to get your review underway.

Roth IRA Conversion

• Traditional IRA may be eligible to convert into a Roth IRA.
• Converting a traditional IRA into a Roth IRA is a taxable event.
• Your representative can review the potential benefit to you.

Self-Directed Traditional IRA

• Annual contributions of up to $5,000. $1,000 catch up contribution (Age 50+) i.e. $6,000.
• All capital appreciation and earnings grow without current taxation until funds are withdrawn.
• Flexible way to plan and build retirement income because you control the specific investments made.
• Investments can be changed at your discretion.
• 10% penalty applies to early withdrawals (before age 59 1/2), earnings and contributions are taxable income when received.