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.