Jeff graduated from Florida Atlantic University and holds a Certified Public Accounting license. Although he no longer prepares tax returns, his experience helps clients look for tax efficient investment opportunities. Jeff is both a Financial Advisor and Vice President of Investments.
If you would like help with your financial plan for retirement or just need a second opinion on your investments, please call us to schedule an appointment. Our clients cover all of South Florida from Miami-Dade, Broward and Palm Beach Counties. We look forward to working with you.
Financial Planning Services for Retirement
Whether you're just starting to save for retirement or you're retired and need help with your retirement plan distributions, Wachovia Securities has a wide range of retirement planning services to help you.
Which stage of retirement planning are you in?
- Saving for retirement
- Currently saving for retirement and trying to stay on track
- Changing jobs and need to make adjustments to your retirement plan
- About to retire and preparing to generate retirement income
- Retired and managing retirement income
Customized South Florida Business Financial Solutions
Your business has unique and complex needs. That's why we work with you to customize a solution that best meets the specific needs of your business. In addition, our team of specialists will work closely with you, your attorney and your CPA to help you meet the financial goals of your business.
Business Financial Services to Meet Your Needs
We offer a wide range of business financial services to help you, whether you're looking to:
- Implement an employee benefit plan
- Invest cash for the short-term
- Provide insurance for your business and/or employees
- Sell or transfer your business
Request a Customized Business Services Proposal from us, your South Florida Financial Advisor.
Request a customized business financial services proposal that analyzes your key business concerns, including short-term cash investing, insurance, group benefits, retirement benefits and exit strategies.
Estate Planning Services
The Importance of Estate Planning
Estate planning is one of the most important things you can do for your family. It's not just about estate tax planning -- it's about developing a plan to take care of your loved ones in the event something happens to you. Some things you may want to consider include:
- Planning for incapacity - Using powers of attorney and long-term care insurance to make sure things are taken care of if you become ill or injured
- Avoiding probate - Helping your family avoid the delays and frustrations of probate and estate settlement
- Transferring wealth - Using wills, beneficiary designations, gifting and trusts to efficiently transfer wealth to loved ones
- Charitable giving - Developing gifting and trust strategies to benefit charities
- Estate tax planning - Reducing the potential estate tax burden your family may face
- Trusts - Establishing one or more trusts to accomplish your goals
Estate Planning Services: Working as a Team
Estate planning requires the assistance of your attorney and CPA. Your financial consultant can work with you and your tax and legal advisors to help gather the appropriate records that will help you and your team develop an estate plan and determine which estate planning strategies are best for your specific situation.
In addition, because your circumstances change throughout your life, it's important to revisit your estate plan regularly. That way you can keep it up-to-date and make sure that your family's needs will continue to be met.
Note: Wachovia Securities does not provide legal, accounting or tax-preparation advice. You should consult your tax and legal advisors for your specific situation.
Life Insurance for South Florida Residents
Providing Financial Security for Your Family
Life insurance coverage can be an important part of your portfolio if you want to:
- Provide income for your family after your death
- Replace funds your beneficiaries will use to pay the taxes owed on your assets
- Provide liquidity to pay any costs associated with your death and estate
Before you buy a life insurance policy, it's important to analyze your situation and your family's financial needs. It'll help you determine how much life insurance coverage you may need to buy.
- When to consider buying life insurance
- Deciding how much life insurance coverage you need
- Regularly reviewing your life insurance needs
- Purchasing life insurance through Wachovia Securities
When to Consider Buying Life Insurance
Your need for life insurance coverage depends on the circumstances of your life. Life insurance may be a good choice for you if:
- You have a spouse and/or family that is dependent on your income
- You expect your estate to incur income, capital gains or estate taxes that your beneficiaries will owe when you die
Deciding How Much Life Insurance Coverage You Need
Determining how much life insurance coverage you need requires comparing your family members' current income with their estimated income need in the event of your death. But you also need to factor in other assets that can be invested to create income (such as group life insurance, retirement savings, and other investments or savings) and allow for any income or capital gains taxes that could reduce the actual amount your family would receive.
Your Financial Advisor can help you calculate the value of your investable assets, estimate future investment income for your family and use these projections to help you determine your current life insurance needs.
Regularly Reviewing Your Life Insurance Needs
Because your family's circumstances change throughout your life, it's important to review your goals and needs frequently to make sure you have enough life insurance coverage to meet your family's needs. Ask your Financial Advisor about our free life insurance review.
Purchasing Life Insurance Coverage Through Wachovia Securities
Wachovia Securities can offer you a variety of life insurance through more than 20 life insurance companies. Your Financial Advisor can help you understand the differences between the types of life insurance we offer, which include:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable life insurance
- Survivorship life insurance
- Single-premium variable life insurance
Because Wachovia Securities doesn't have any proprietary life insurance products and your Financial Advisor has no product sales quotas, you'll get objective financial advice and help selecting one or more life insurance policies that make sense for you.
Schedule your appointment today!
Wachovia Securities, LLC, Member SIPC, is a registered broker-dealer and a nonbank affiliate of Wachovia Corporation.
- Not Insured by FDIC or any Federal Government Agency
- May Lose Value
- Not a Deposit of or Guaranteed by the Bank or any Bank affiliate
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