Retirement & Pension Planning

Estate Management Counselors, LLC provides comprehensive individual retirement planning services to their clients.  Retirement planning involves more than just participating in a company’s retirement plan or self-employed retirement plan.  Retirement planning involves implementing a strategy which allows an individual to accomplish their retirement goals and objectives. All of our client specific recommendations are made with a view toward reducing taxes and fees to the greatest extent possible.

Subjects which should be considered by all individual business owners which are addressed by working with EMC, LLC:

  • Should I participate in my company’s 401(k) past the matching point?

You may be better off not contributing past the matching point.

  • Will you loose over 70% of your 401(k) or IRA when you die to the IRS? 

You maybe holding a ticking time bomb which will cost your heirs dearly.

  • Are you limited to what you can contribute to your 401(k)?

Other planning strategies will allow you to defer additional income.

  • Do you want to establish a deferred compensation plan without having all of your employees be allowed to participate?

You can have your cake and eat it too, only with proper planning.