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Comprehensive Financial Planning

At Windawi & Associates, you'll benefit from our methodical planning approach, where every aspect of your finances is integrated, and every decision is made in your best interest. From advice, to implementation, to ongoing oversight, we will help you stay on course toward your goals of seeking financial independence.

 

Retirement Planning

Whether you’re in the prime of your career, are just a few years away from leaving the workforce, or are already evaluating an early retirement offer, we can help create an investment plan that exceeds your long-term goals. Our professionals offer detailed projections of when you can safely retire, at what level of income, and what rate of return will be necessary to meet your retirement goals.

Our methodical planning approach integrates every aspect of your finances, including:

  • Identifying retirement goals
  • Making informed recommendations
  • Developing customized strategies
  • Implementing and vigilantly monitoring these strategies

Tax Planning

A comprehensive financial plan will include a strategy for addressing taxes. By collaborating with a qualified Certified Public Accountant (CPA), our goal will be to help you:

  • Assess the taxable nature of your current holdings
  • Strategize ways to include tax-deferred or tax-free money in your plan
  • Select first tax category to draw income to reduce tax burden
  • Continual, year-round work to minimize income and estate taxes

 

Insurance

Determining how much coverage you need, what risks you can afford to self-insure, what type of insurance you should buy and how you should coordinate with your employer benefits. A comprehensive review will include:

  • Strategies to address Life, Disability, and Long-Term Care strategies
  • Medicare (Parts A, B, and D)
  • Effective use of HSA Accounts and more

Stock Options & Equity Awards

While equity awards represent an incredible opportunity, their complexity may find you feeling overwhelmed and confused on how to make the best long-term decisions. We specialize in managing:

  • Non-qualified stock options (NSOs)
  • Incentive stock options (ISOs)
  • Restricted stock options (RSUs)
  • Stock appreciation rights (SARs)
  • Employee stock purchase plans (ESPPs)

 

Retirement Income Planning

You’ve saved and invested your entire life; how do you manage your finances during the next phase of your life? We will help you design tax efficient distribution strategies to ensure that your savings will last beyond your life expectancy. We will cover:

  • Income & Expense Management
  • 401k Plans
  • Social Security Maximization Strategies
  • Inflation Planning

Estate Planning & Trust Services*

It’s important to make sure that the assets you’ve worked so hard for go to your beneficiaries instead of taxes. You may also want to gift assets to loved ones, charities or religious organizations in a tax efficient manner. We collaborate with your existing tax and legal team to develop tax, estate and gifting strategies to help you reduce taxes and make sure your assets end up in the right hands. If you don’t have existing legal counsel, we can introduce you to a team of board-certified estate planning attorneys to advise on taxes, wills, trusts, guardianships, business planning, advanced directives, power of attorney, and beneficiary designations. Our goal will be to help you:

  • Maximizing your estate and income tax planning opportunities
  • Protecting assets and ensuring they are distributed to your beneficiaries probate-free
  • Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries



* Windawi & Associates and LPL Financial do not provide legal advice or services. Please consultant your legal advisor regarding your specific situation. LPL Financial Representatives offer access to Trust Services through the Private Trust Company, N.A. an affiliated of LPL Financial.