Asset Management

There are many types of investment accounts to choose from

Retirement accounts or after-tax accounts, just ask

Clients count on us to manage after-tax individual, joint, trust, and business accounts as well as retirement accounts like IRAs and Roth IRAs.

We also help business owners select, implement and manage plans like SIMPLE IRAs, 401(k)s, and defined benefit plans to provide retirement benefits to their employees.

Standard After-Tax Investment Accounts

Are you ready to start investing but have no idea where to start? We can help you begin. From selecting among the many types of accounts to helping you track your progress, we’ll work closely with you to meet your goals.

Remember, the earlier you start putting some money away, even just a little, the more it will grow.

Individual Account

As a standard brokerage investment account for one person, the account owner can assign a beneficiary who will receive all assets upon the death of the owner. Consider assigning a power of attorney to someone who can access the account in the event of illness or incapacity.

Joint Account

An investment account for two or more people allows you and your spouse or other individual(s) to grow the investment together.

As a joint Tenants with Rights of Survivorship account, each person has an undivided interest in the entire property. Upon the death of one account owner, the remaining account holder(s) retain(s) the rights to the entire account. For clients who previously or currently live(d) in "community property" states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin), we are careful to evaluate alternatives to JTWROS when applicable.

A Tenants in Common account has two or more account owners with each person owning a specified percentage of the entire property. Upon the death of one of the account owners, that person’s estate holds the right to their percentage of the account.

Please talk with us about which ownership option is appropriate for you.

Trust Account (Non-Testamentary)

A non-testamentary trust will generally have a living grantor(s). Securities are registered in the name of the trust and managed by a trustee(s) for the benefit of themselves and/or others.

Trust Account (Testamentary)

A Testamentary Trust is created through the will or trust of a deceased person. Securities are registered in the name of the trust and managed by a trustee for the benefit of another person(s).

With this account, the account holder’s assets—usually those of a minor or a person who can no longer manage his or her own property or financial matters—are managed by the trustee(s). We are ready to help trustees achieve the objectives of the trust they are overseeing—and in a tax-smart way.

Retirement Accounts

Opening a personal retirement account is an easy way to grow your retirement nest egg. We’ll help you choose the right retirement account and provide the guidance, tools, and resources you need to move toward your retirement goals.

Traditional Tax-deferred IRA Account

This investment savings account provides tax-deferred growth and potentially tax-deductible contributions. Putting dollars away before they’re taxed means you’ll pay less in taxes now and have more for your retirement.

Rollover IRA Account

This investment savings account is specifically designed to receive rollovers from a previous retirement plan. Rolling over assets from your old employer's plan into an individual IRA account can help you manage your portfolio. It can also provide access to a broad range of investments while maintaining the tax-deferred status of your retirement assets.

Roth IRA Account

Unlike traditional IRAs, Roth IRA contributions do not provide a current tax deduction. This is in exchange for potentially tax-free withdrawals after age 59½ (as long as you have had a Roth IRA for more than 5 years). Contributions to Roth IRAs can always be withdrawn tax free. We are fans of Roth IRA conversions in the right situation, but always do careful planning before recommending “pulling the trigger.”

Specialty/Education Accounts

Do you want your estate plan to provide your children with some money when they get to a certain age? Are you thinking of tax-free investment growth for your child’s or grandchild’s higher education expenses?

No matter what your situation, our personal approach and in-depth analysis will help you find the right account to fit your goals and objectives.

529 Plan Account for College

A 529 Plan is a great way to save for college and/or graduate school while your money grows tax-deferred. The 529 Plan is designed for virtually every family and every budget. There is no minimum annual contribution required with a 529 Plan. Maximum contribution limits are generous and vary depending on the state sponsoring the plan.

For residents of states like Oregon that provide tax incentives, we typically recommend using those plans until contributions exceed the amount needed to maximize the tax benefit. Click here to learn more about Oregon’s plan.

UTMAs and Coverdell ESAs

These account types allow funds to be set aside for all levels of education (ESAs) or general purposes (UTMAs) for children.

Business Investment Account

This is an investment account for Corporations, Partnerships, Limited Partnerships, Sole Proprietorships, Limited Liability Companies (LLC), or Non-Profit Organizations. Please contact us for more details.

Let’s talk, no charge

Remember, our first meeting to discuss investment accounts and options for personal or business retirement plans is complimentary. Use the buttons below to schedule a meeting with our professionals.

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