OUR UNIQUE DIFFERENCE

There’s an old saying that the best job is the one that you do for yourself.
That perfectly describes the way Financial Life Advisors advises its clients.


COWBOY ETHICS

The Financial Life Advisors team prides themselves on a philosophy that is reflected in the way they make decisions and treat people. The culture is based on a book by James P. Owen called Cowboy Ethics. Following these 10 principles is critical to doing the right thing for the client, always. 

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INCOME SMOOTHING

Flattening out the hills and valleys of annual income over time. 

The tax code penalizes you for having irregular income from year to year. By studying projected income over the next 20 years, we can spot opportunities to move the income from higher income years into lower income years by managing your income and deductions.

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ROTH CONVERSIONS

Our favorite income smoothing technique (which we call “Heads you win. Tails you win less!”) uses current lower tax rates when facing future expected higher tax rates. 

We optimize the strategy by converting multiple accounts at the same time and recharacterizing what we don’t need. Roth conversions also have additional unique benefits like avoiding future RMDs, protecting against future tax increases, creating a tax free inheritance, and, for some, lowering estate taxes.

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ASSET LOCATION

All accounts are not created equal. IRAs are taxed differently from brokerage accounts. By locating stocks and bonds according to their tax efficiency, overall tax on investment returns can be reduced significantly. 

Buy a hot technology stock and it doubles in value, you pay lower capital gains only when you sell it. If the stock is in your IRA taking out the gains will be at the much higher ordinary income rates. We help clients locate their investments across accounts accounting for tax efficiency. Same return, just less tax due on that return!

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STRESS TESTING (MONTE CARLO ANALYSIS)

No one knows when the next market downturn will come. Having a plan and testing it under 10,000 market simulations will help you sleep knowing that you can survive events as dramatic as the financial crisis of 2008. 

Historical averages work for rules of thumb but are not guaranteed for your future results. This is your life, and you may not get a second chance to get your plan on course. We can build a model of your financial life to simulate potential stock market outcomes, inflation scenarios, and various life events and determine how to build a solid plan for your future.

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INSURANCE RISK SHIFTING

Many think insurance should protect against ANY loss, when the real concern is catastrophic and unlikely loss. You can afford your deductible, but you cannot afford to rebuild your whole house and replace all of its contents. 

We help our clients determine the right kinds of coverage for them, with proper policy provisions at competitive rates. Some loss is inevitable, but having large gaps in coverage could break your financial plan, and over insuring wastes precious resources.

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Find Out Why Financial Life Advisors Is Equipped To Serve Your Financial Needs

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