Ryan, Gunsauls & O’Donnell Wealth Management …
Think what your future would look like if all your financial programs were working together…
Comprehensive Financial Planning
Many people have a mixture of financial products purchased one by one over the years. They end up reacting to events and the markets, rather than designing a solid financial plan. At Ryan, Gunsauls & O’Donnell Wealth Management we help you build a financial strategy based on what is truly important to you. By ensuring that your investment products are working together, we will help eliminate gaps and overlaps in your total financial picture, optimizing every dollar.
No one can be an expert in everything, but everything matters. It takes “a village”of specialists to design a comprehensive plan. With our extensive network, we are that village. Each of our specialists focuses on one financial field only, bringing depth and breadth to each component of your plan.
Tax Planning
The impact of taxes on every aspect of your financial plan is significant. Working closely with the CPAs at Ryan Gunsauls & O’Donnell helps ensure that that impact is minimized.
Wealth/Investment Management
Our asset allocation models utilize “Modern Portfolio Theory” with stocks, bonds, mutual funds, exchange traded funds, REITs, and limited partnerships. This diversity of investment types in addition to diverse asset classes offers greater downside protection as well as greater opportunities for growth and/or income. Each portfolio is designed exclusively for your individual objectives, risk tolerance, and cash flow needs.
Income Preservation, Asset Protection, Insurance
We recognize that insurance, annuities, and other asset protection methods are an important part of your total financial picture. As baby boomers age and life expectancy increases, so does the importance of long term planning: for your retirement, your estate, and your health care. We will assist you in determining whether or not insurance is needed and what options will make it the most effective for you.
Retirement Planning
For Individuals: We can help determine what will be needed for retirement and design a wealth accumulation plan to help you get there.
For Business: We assist in selecting and establishing the most appropriate retirement plan for you and your employees. At your request, we will conduct employee workshops to educate the employees about the advantages of their plan and the choices available to them. We will gladly assist individual employees who desire personal financial planning as well.
Estate Planning
There are many valuable tools available to reduce taxes and preserve wealth for your family, your church, your favorite charities or other beneficiaries. We will work with your attorney (or can recommend one) to structure the appropriate trusts, powers of attorney, wills, advance directives and other legal documents to be congruent with your total financial picture.
College Education Planning
We explore and examine all appropriate avenues to help fund education. These techniques may include 529 Plans, custodial accounts, Coverdell education savings accounts and parental investing plans.
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