Concierge Planning Menu
Comprehensive Planning Topics and Solutions
Turning 65
One of the Most Important Benchmarks for Medicare and Retirement Planning. Your Concierge Planner will help you to avoid many of the pitfalls and penalties of missing out on enrollment deadlines.
Educators and the Income Gap
Opening a 403(b) tax deferred pre-tax or Roth 403(b) allows an Educator to create a private pension and supplement state retirement income.
Reducing Portfolio Volatility
This financial instrument has gained popularity since the 2020 ACA provisions.
Many of our clients have some degree of self management and rely on this popular method for locking in gains and obtaining market based yields.
The Changing Landscape of Long Term Care Planning
The Changing Landscape of Long Term Care Planning and How You Can Benefit.
Long Term Care Insurance is not always the best solution. Our Concierge Planning Team can help find the best solution for you.
How to Obtain Living Benefits from Life Insurance
Little Known Technique Converts Life Insurance into a Lump Sum without Dying.
Its estimated that up to 90% of Life Insurance Policies lapse due to expensive premiums or bad advice.
Advanced Planning and Legal Directives
Protect the Family Home and Insure Generational Wealth. Our Concierge Planning team works with established Elder Law attorneys.
Professional or Self Management of Retirement Portfolio?
Many of our clients utilize many of the available online tools to manage portions of their retirement investments. RIA services for a fee are always an option. Our Concierge team has no fee programs that manage fixed portfolio allocations and can provide lifetime income and lock in market gains.
The Essential Steps to Take When a Spouse Passes Away
What Steps Must be Taken When a Spouse Passes Away? Many grieving survivors skip these essential planning steps and make the process difficult for their survivors. Don't ignore the inevitable. Reach out to a Concierge Planning Professional today to walk you through the steps.
Continuing Education for CPA's and Legal Professionals
Our planning team offers case support to financial and legal professionals.
Concierge Wealth Advisors, Inc. is planning on offering new courses for planning professionals beginning in the Fall of 2025.
The Basics of Roth IRA Conversions
More and more investors and retirees are managing all or part of their retirement portfolio into a Roth IRA that provides special tax benefits.
Most investors understand that future Roth IRA withdrawals are "tax-free", but there are other benefits related to Medicare and RMD's (Required Minimum Distributions) that may be beneficial to your unique circumstances
Why is Medicare
so Confusing?
Retirees and individuals turning 65 are inundated with mail and media advertisements for advantage plans that provide free dental and vision benefits - and in some cases "cash back". Our Concierge planner can take the hype out of the endless promotions and recommend a Medicare plan that suits your doctor and hospital network. Our team works with major carriers and does not charge a fee.
Required Minimum Distributions
The current IRS rule for most retirees to begin distributions from IRA accounts is no later than "April 15th of the 73rd birthday". Many choose to set up automatic distributions to overcome any fines or penalties that can be levied by the IRS for non-compliance. Our Concierge Professional can help you with RMD compliance of retirement savings accounts.
Concierge Wealth Menu
Comprehensive Planning Topics and Solutions
Turning 65
One of the Most Important Benchmarks for Medicare and Retirement Planning. Your Concierge Planner will help you to avoid many of the pitfalls and penalties of missing out on enrollment deadlines.
Educators and the Income Gap
Opening a 403(b) tax deferred pre-tax or Roth 403(b) allows an Educator to create a private pension and supplement state retirement income.
Reducing Portfolio Volatility
This financial instrument has gained popularity since the 2020 ACA provisions.
Many of our clients have some degree of self management and rely on this popular method for locking in gains and obtaining market based yields.
The Changing Landscape of Long Term Care Planning
The Changing Landscape of Long Term Care Planning and How You Can Benefit.
Long Term Care Insurance is not always the best solution. Our Concierge Planning Team can help find the best solution for you.
How to Obtain Living Benefits from Life Insurance
Little Known Technique Converts Life Insurance into a Lump Sum without Dying.
Its estimated that up to 90% of Life Insurance Policies lapse due to expensive premiums or bad advice.
Advanced Planning and Legal Directives
Protect the Family Home and Insure Generational Wealth. Our Concierge Planning team works with established Elder Law attorneys.
Professional or Self Management of Retirement Portfolio?
Many of our clients utilize many of the available online tools to manage portions of their retirement investments. RIA services for a fee are always an option. Our Concierge team has no fee programs that manage fixed portfolio allocations and can provide lifetime income and lock in market gains.
The Essential Steps to Take When a Spouse Passes Away
What Steps Must be Taken When a Spouse Passes Away? Many grieving survivors skip these essential planning steps and make the process difficult for their survivors. Don't ignore the inevitable. Reach out to a Concierge Planning Professional today to walk you through the steps.
Continuing Education for CPA's and Legal Professionals
Our planning team offers case support to financial and legal professionals.
Concierge Wealth Advisors, Inc. is planning on offering new courses for planning professionals beginning in the Fall of 2025.
The Basics of Roth IRA Conversions
More and more investors and retirees are managing all or part of their retirement portfolio into a Roth IRA that provides special tax benefits.
Most investors understand that future Roth IRA withdrawals are "tax-free", but there are other benefits related to Medicare and RMD's (Required Minimum Distributions) that may be beneficial to your unique circumstances
Why is Medicare
so Confusing?
Retirees and individuals turning 65 are inundated with mail and media advertisements for advantage plans that provide free dental and vision benefits - and in some cases "cash back". Our Concierge planner can take the hype out of the endless promotions and recommend a Medicare plan that suits your doctor and hospital network. Our team works with major carriers and does not charge a fee.
Required Minimum Distributions
The current IRS rule for most retirees to begin distributions from IRA accounts is no later than "April 15th of the 73rd birthday". Many choose to set up automatic distributions to overcome any fines or penalties that can be levied by the IRS for non-compliance. Our Concierge Professional can help you with RMD compliance of retirement savings accounts.
Tailored Financial Solutions
There is more to financial planning than managing a retirement account. Maximize your financial freedom, protect your family home and build your legacy with Comprehensive Planning Solutions.
Critical Life Events
Our experienced team can provide guidance when experiencing critical life events or the importance of updating beneficiaries when a love one passes away.
Underperforming Portfolio
Are you in an a low paying CD or Annuity? Learn how to Receive Market Rates on your guaranteed investments.
Click the bottom left volume icon to unmute:
Can Life Insurance Help to Fund Long the Cost of Term Care?
This little known option can potentially provide a cash payout to an existing owner of a Life Insurance Policy. Its important to know your options as a majority of life insurance policies lapse due to expensive premiums or bad advice. Don't throw away your policy! Our Concierge Planning Team affiliate, Policy Appraisers, can help you start the appraisal process.
Tailored Financial Solutions
There is more to financial planning than managing a retirement account. Maximize your financial freedom, protect your family home and build your legacy with Comprehensive Planning Solutions.
Critical Life Events
Our experienced team can provide guidance when experiencing critical life events or the importance of updating beneficiaries when a love one passes away.
Underperforming Portfolio
Are you in an a low paying CD or Annuity? Learn how to Receive Market Rates on your guaranteed investments.
Click the bottom left corner to Unmute:
Can Life Insurance Help to Fund Long the Cost of Term Care?
This little known option can potentially provide a cash payout to an existing owner of a Life Insurance Policy. Its important to know your options as a majority of life insurance policies lapse due to expensive premiums or bad advice. Don't throw away your policy! Our Concierge Planning Team affiliate, Policy Appraisers, can help you start the appraisal process.
Concierge Wealth Advisors, Inc.
Planning Affiliates
Our Concierge Planners have been advising clients for over 30 years.
From Registered Investment Services, Tax advantaged retirement savings, CPA and tax preparation, Life Settlements, Legal resources and advanced planning, Medicare enrollment. Our Concierge Planning team of affiliates can assist with every aspect of your unique planning challenges.
Concierge Wealth Advisors, Inc.
Planning Affiliates
Our Concierge Planners have been advising clients for over 30 years.
From Registered Investment Services, Tax advantaged retirement savings, CPA and tax preparation, Life Settlements, Legal resources and advanced planning, Medicare enrollment. Our Concierge Planning team of affiliates can assist with every aspect of your unique planning challenges.
FAQs
Your Questions Answered
Does Concierge Wealth Advisors work in Cooperation with Other Planners?
Your Concierge Planner is a part of your Planning Team. We assist financial planners and legal advisors with case support and design. Its in your best interest to assemble the ideal mix of advisors that best suit your needs.
What is a Life Settlement?
A life settlement involves selling your life insurance policy to a third party for a value greater than its cash surrender value but less than its net death benefit. Proceeds may be used for any purpose including Long Term Care expenses or for the general health and well being of the owner. There are also favorable tax consequences in most cases. We recommend our affiliate, www.policyappraisers.com for more information on how to get started.
Why is Medicare so Complicated?
Most retirees and individuals turning 65 absorb a wave of media advertising from Medicare carriers claiming to have the best coverage. The best advice is to ignore and throw those materials and reach out to our non-proprietary Concierge Planning team to help you build the best plan based on your health and medical network. There is never a fee and the cost of the Medicare coverage will not be affected by using a planning professional.
Why is it Important to Roll a 401(k) or 403(b) account when turning 59.5 or Upon Retirement?
Most financial advisors recommend consolidation and management of employer based plans like a 401(k) or 403(b) in an IRA for Estate purposes. A Consolidated plan is easier to manage and does not require employer oversight or administration. This also makes it easier for your beneficiaries and estate. Our Concierge Planning Team can provide a review of your retirement accounts and provide solutions based on your unique situation and planning timeline.
What Steps are Required to Enroll in a 403(b) Plan?
Enrollment is typically electronic and takes about 15 to 20 minutes. Your Concierge Planner can enroll you over the phone or via Zoom. You may also roll an existing 403(b) or IRA account if you prefer to consolidate and simplify account management.
Why is it Important to Notify the Credit Bureaus when my Spouse passes away?
Our Concierge Planner can assist you with preparing the necessary steps that are required to register a death notification with Equifax, Experian and TransUnion. Our team will also help you update beneficiaries on personal retirement and bank accounts.
Is it too Late to enroll in a Long Term Care Plan if I am over 60 years of age?
Financial Planners typically advise against enrolling in traditional "use it or lose it" Long Term Care Policies after the age of 60. Our Concierge Planning Team offers affordable solutions for Seniors seeking to manage the challenges of Long Term Care. Many of these solutions can provide residual benefits for your estate and provide care for when you need it.
Why Doesn't Concierge Wealth Advisors Charge a Fee?
Our planning team has served over 5000 clients since 1994 without charging a fee. Most of our carriers offer broker compensation and residual incentives based on client satisfaction and persistency. Our Concierge Planning Team works with individuals from all walks of life - unlike most high profile financial advisors that screen out prospects by minimum investment and income quotas. Our founder grew up working hard in a family owned restaurant in the Dallas area and understands the loyalty and value of providing Concierge customer service.