You probably have a lot of goals for your money. College funding, retirement, charitable giving, leaving an inheritance for future generations, travel and more. How do you decide which to focus on—and when? What’s the right investment strategy? And how can ongoing market events impact your strategy?

Our Des Moines financial professionals can help you address those questions and many others. Read on to learn about our retirement planning and generational wealth services, and contact us with any questions.

Retirement planning

Planning for your own retirement can be fraught with uncertainty. How much savings will you need by the time you retire? How much should you save for retirement now? Which investments should you choose for your retirement portfolio? What’s a “safe amount” to withdraw each year once you retire? And which investments should you withdraw from first?

Our Des Moines retirement planning specialists help you answer these questions and many others. We’ll start with a conversation about your goals—not just for retirement but for the rest of your life as well. Then we’ll help you create a plan to save for retirement while also working toward other financial goals.

Our investment team will be with you every step of the way. We can create your asset allocation strategy, manage your retirement portfolio, adjust your investment mix as you approach retirement, and recommend tax-savvy withdrawal strategies during retirement.

Generational wealth planning

Generational wealth—assets handed down from one generation to the next (and hopefully to the generations that follow)—can be life-changing for those who inherit it. Having a financial edge early in life can help people avoid student loans, buy their first home and achieve other life goals.

But maintaining generational wealth across multiple generations isn’t always easy. In fact, about 70% of wealthy families lose their wealth by the second generation. And 90% lose it by the third.¹ 

That’s why it’s so important to create a plan for generational wealth. The plan should include not only strategies for transferring your wealth in a tax-advantaged way but also strategies to help future generations retain—and grow—their inheritance. Our advisors will work with you to help you transfer your wealth in a way that benefits you and the people or charities you want to help.

Start the conversation

To get started, contact us today. You’ll be able to rest easy knowing that you have a plan in place and experienced professionals to help you oversee it.

¹ “Generational Wealth: Why do 70% of Families Lose Their Wealth in the 2nd Generation?”, Nasdaq.com, Oct. 19, 2018.