- Tax Planning® professional can offer expertise in risk management, including strategies involving life and long-term care insurance, health insurance, and liability coverage. He or she often can help with your tax planning or manage your asset portfolio based on your goals.
- Charitable GivingSmedley Financial Services (SFS) offers a consultative approach. We tailor our services around your personal values and financial goals. Our investment recommendations center around four planning cornerstones, wealth enhancement, wealth protection, wealth transfer, and charitable gifting. View all Smedley Financial's products and services.
- Estate Taxes
- Roth IRAIn addition to traditional IRAs, simplified employee pension (SEP) IRAs and SIMPLE IRAs are subject to the RMD rules. Roth IRAs, however, are not... Read More >
- Income TaxIf properly completed, rollovers aren't subject to income tax. But if you fail to complete the rollover or miss the 60-day deadline, all or part of your distribution may be taxed, and subject to a 10% early distribution penalty (unless you're age 59 1/2 or another exception applies).
- Tax DeferralAnnuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59 1/2, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are based on the claims paying ability of the insurer. An annuity is a tax-deferred investment. Holding an annuity in an IRA or other qualified account offers no additional tax benefit. Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral.
- Investment ManagementSince 1982, Smedley Financial Services has helped clients seeking to reach their financial goals through financial, retirement, insurance and social security planning. We specialize in active investment management and take a unique approach to helping individuals plan for financial security through a process we call Lifetime Income. We look forward to working with you.
- Mutual FundsAn investment in managed futures involves a high degree of risk, is speculative and volatile. An investor could lose all or a substantial part of his or her investment. There is no guarantee that an investment of this type will achieve its objectives. Managed futures funds' high fees and expenses offset trading profits and reduce returns. Managed futures investments involve the use of significant leverage that may increase the risk of investment loss. The interests of investors in managed futures funds may conflict with your own. Managed futures are not subject to the same regulatory requirements as mutual funds. An investment in managed futures funds is illiquid. There is no secondary market for managed futures funds, and there are restrictions on transfer of managed futures funds. A substantial portion of the trades executed with respect to managed futures investments may take place on foreign exchanges.
- Bonds
- Wealth ManagementSmedley Financial Private Wealth Management specializes in helping affluent clients chart their own path, find confidence, and spend more time with the ones they love.
- Financial PlanningProtecting the assets you have acquired is one of the first financial planning rules. The risk of protecting your assets can be transferred to an insurance company. Some of the most common insurance policies include...
- Retirement PlanningRetirement planning requires sophisticated calculations that are designed to help you become financially prepared for your retirement years. Your retirement plan should take into consideration how much money you will need to live comfortable during retirement. Inflation will have a significant impact on the value of your money at retirement this is referred to as purchasing power. Other considerations include taxes, investment returns, and future sources of income including social security.
- AnnuitiesIf a fixed indexed annuity is terminated prior to the end of the surrender period, there is a possibility of loss of principal. Guaranteed account values apply only if the annuity is held to term. Caps, spreads, and or participation rates may change annually. The decision to purchase income annuities to fund your retirement needs now, or in the future, may change based on your review of your investment strategy, the return of your investments, and your individual needs. Your income annuity purchase may be irrevocable after the initial free-look period. You should consult your tax and financial advisors when purchasing or selling any investment.
- Long Term CareExperiencing a Long-Term Care event can have a significant impact on your retirement nest egg. I may also drain the resources your spouse may need to live comfortably.
- Asset Management$ymbil is a dynamic online investment adviser platform that assesses your risk profile as an investor and recommends a risk-appropriate managed Ladenburg Fund. Ladenburg Thalmann Asset Management ("LTAM") is a SEC Registered Investment Advisory firm established in 1982 with over $2 billion in assets under management and a dedicated staff of professionals with over 100 years of combined investment management experience.
- College Funding