Committed to Cultivating
Exceptional Experiences
Most advisors create plans using software that gives them a percentage chance of success, and they tweak variables until they massage the software into giving them the answer they want to see. This is outdated and doesn't make sense. Instead, maximize your income in retirement and adjust as your portfolio and life changes.
Cash flow is the heartbeat of retirement. Understand in more detail what happens with your money after you earn it.
Determine the most cost-effective way to satisfy your debt obligations.
People are often happier when they understand how their hard work has paid off.
Drawing from your portfolio is not as simple as it a-b-c. Use sophisticated strategies to improve your after-tax income in retirement.
People are often happier when they understand how their hard work has paid off.
Keep a close eye on your income and expenses with Monarch Money, our partner in cash flow analysis. Free to you as a client.
1 in 7 people have unclaimed property, and over $3 BILLION of missing money is distributed back to its original owners every year! We continuously look for missing money on your behalf.
Your company(ies) may offer any number of retirement plans, each with many potential options. Stay on top of the choices that make for your best retirement.
Should you contribute to your IRA, Roth IRA, Company Retirement Plan, or all three? We continuously analyze your options.
Maximize your social security payments by planning smarter. You don't have to retire from your job at the same time you claim social security. You only get one chance at it - do it right.
We continuously analyze whether or not it makes sense for you to convert some of your pre-tax money into never-tax money.
Simplify your life by keeping your money in as few places as possible.
Damage to your personal property, accidents, and lawsuits can have unintended consequences for your finances. We find gaps in your insurance that could cause you to suffer large losses, and we help you understand if you're paying too much for your insurance. We don't sell insurance, but we can help you find the right person.
Don't leave your family out to dry should something happen to you. We analyze your life and disability insurance needs. If you lack coverage, we can help you find an agent if you don't already have one.
Most people don't know that Medicare doesn't cover long-term care. Should you need long-term care, you can pay for it out of pocket (self-insure), have it paid for by long-term care insurance, or spend down your assets and go on Medicaid.
Cybercrime is on the way in, not on the way out. Because we are a tech-forward firm, we address technical issues other advisors do not even understand. This includes your online footprint. The easiest method for finding more information about you for a targeted scam is to find information about you from online databases. We do our best to keep you out of those databases when you're a client. People won't be able to find your personal information on Google anymore!
From your Martello Retirement & Wealth portal to Schwab's online access, we help you set up and use two-factor authentication (one-time codes for logging in or transferring money) to safeguard your information and assets.
Every year, we review your taxes for problems. We use a 37-point review to identify where you can save additional money on your taxes. Have a second set of eyes look over everything to make sure you don't pay the IRS a dime extra.
Did you know you have an account with the IRS that tracks all of the forms you file, as well as the forms everyone else files? We can also find out about potential audits well in advance, so you're not caught by surprise.
Understand what happens with your income taxes.
Did you know the #1 expense in retirement is taxes? Spend your money on yourself, not the IRS! A plan with us can save hundreds of thousands, even millions, of dollars on taxes. Does that translate to more income in retirement? YES!
If you have an IRA or company retirement plan, you may be subject to forced withdrawals as you get wiser with age. Along with planning for these, we provide notices detailing what you must withdraw each year to avoid IRS penalties.
We like CPAs and other tax preparers. As Enrolled Agents, we speak their language. Your tax preparer is an essential part of your financial picture. As more and more accountants leave the accounting profession, tax preparers are forced to drop problem clients and keep good ones. We help make your preparer's life easier by gathering your documents together in a timely manner and making them available to your tax preparers.
Believe it or not, but most advisors don't communicate what they know about your financial situation to your tax professionals. We make sure you and your tax professional are aware of all of the things going on in your portfolio every year.
Real estate can be a path to wealth. If you are a real estate investor, we may be able to suggest some tax strategies to help you save money.
At every age, you need a plan in place should something unexpected happen. Make sure your wishes are respected. We know you best; let us speak your lawyer's language at your side so your attorney can accurately create or update your will, durable power of attorney, advance medical directive, healthcare power of attorney, guardianship designations, and any trusts you need.
Auditing of your accounts' beneficiaries ensures your estate plan is set up to do what you want.
Save in taxes while helping your cause.
Make sure the papers match your wishes when you say farewell.
Once you cross over a certain net worth, depending on the state you live in, you could pay 40% - 50% or more in taxes on your estate. Plan early to avoid this.
Planning for yourself is one thing. Making that money last for generations is another.
Don't know what's in your portfolio? Not anymore. Each investment we choose on your behalf serves a particular goal.
Schwab is the most well-known custodian.
We keep you updated on your portfolio's performance.
We have decades of combined experience with private funds that can help reduce risk in your portfolio. Get access to more exciting investment strategies. Additional risks apply.
At least twice per year, we meet at your convenience, when and how you're able.
Make fewer mistakes by asking the professionals first. If you need to update us on your financial situation, we want to know.
We record, transcribe, and summarize all of our meetings with you. You can access these from our client portal.
Financial plans lay out the plan for now, but we can't predict the future. Your plan evolves as life changes.
In addition to our proprietary client platform, Howitzer, we use Income Lab to plan for a successful retirement and eMoney for those that have more income than they need.
We run paid educational seminars for the public. As a Martello client, you never pay to attend in person or virtually.
We'll come to your house with a scanner and a laptop and help locate everything relevant to your financial picture to onboard you in the fastest and easiest way possible.