Wealth Management Services

Tax Planning

Having tax professionals and CPAs on our team means providing our clients with tax-smart financial advice as a seamless experience. Tax planning is never an afterthought at Nisivoccia Wealth Advisors.

By leveraging tax and financial advisory experience, our advisors will help ensure your wealth management plan is operating in a tax-optimized manner. This includes making sure that you don't pay a penny more than the law requires in taxes and looking for ways to reduce current and future tax burdens.

Tax Planning services offered include but are not limited to:

• Income Tax and Estate Planning
• Tax-deferred Investing
• Charitable Planning
• Trust Services

Retirement

When it comes to retirement planning, it is key to remember that you are never too young to start saving. Whatever your vision of retirement is, diligent and ongoing planning and goal setting are necessary for your retirement to live up to your expectations.

At Nisivoccia Wealth Advisors, we put the client in the driver’s seat when helping them plan for their retirement. Based on their goals, we help them understand how to manage their savings so that they get the most value out of the dollars they spend, while minimizing their tax liability during retirement.

Because we work side-by-side within accounting firms, we meet regularly with our tax professionals to stay abreast of the latest tax laws so we can offer our clients tax optimized solutions. We will help guide you to the right retirement plan to make sure your income is sustained during the time when you reward yourself for years of hard work.

When we talk to clients about money and retirement, we ask these questions:

• How much do you want to spend?
• What are the different tax rates presented to you?
• What accounts do you plan to take money from so that you won’t be pushed into a higher tax bracket?
• How do you have your money invested?
• Where is your retirement income coming from?
• Do you have a safe place to pull money from in case of an emergency?

It is a lot easier to control your taxes if you understand where you are going to put your investments that you plan on having in the future. That is what Nisivoccia Wealth Advisors are here to help you with.

When considering retirement options, we approach it from four ways:

• Employer-sponsored plans (401(k), Roth 401(k), 403(b), pensions)
• Social Security or other government programs
• Individually-owned retirement plans (IRAs, Roth IRAs, rollover IRAs)
• Individually-owned investments

For those self-employed, or for the small business owners, we consider these options:

• SEP IRAs
• Simple IRAs
• Defined contribution retirement plans
• Defined benefit retirement plans

We will help guide you to the right retirement plan to make sure your income is sustained during the time when you reward yourself for years of hard work.

Retirement Planning services offered include but are not limited to:

• 401(k) Savings Plans
• 403(b) Savings Plans
• 457 Savings Plans
• Defined contribution retirement plans
• Defined benefit retirement plans
• IRA Rollover and Distribution Planning
• Income Protection Analysis
• Fixed Income Strategies

Investment Planning

As your life and goals begin to change, your investment strategy may need to be revised. Nisivoccia Wealth Advisors will continually determine your asset allocation needs, help you understand your risk tolerance, and recommend the appropriate investment vehicles to help you protect your wealth and reach your goals.

Investment Planning services offered include but are not limited to:

• Integrated Asset Allocation and Portfolio Design
• Diversification Strategies
• Customized Asset Management Programs
• Alternative Investments

Education

Considering that education costs increase significantly each year, your children's education – as well as your current and future lifestyles – depend on the wealth you build up now. Together, let’s review your specific goals and actively plan for education costs.

Education Planning services offered include but are not limited to:

• 529 College Savings Plans
• Trust Services (UTMA/UGMA)
• Various others including family gifting

Insurance

Illness and injury can happen to anyone. If you've planned for this possibility, when was the last time you reviewed your plan and does it take into account recent life events? As life changes, so do your insurance needs and necessary strategies to protect your lifestyle and your family who are dependent on your income.

Insurance Planning services offered include but are not limited to:

• Life Insurance Analysis and Design
• Disability Protection
• Long-Term Care Insurance

Income Protection

Asset and income protection include strategies to shield assets from illness, taxation, and frivolous claims from third parties. Successfully planning for these potential events cannot be overstated, considering the effect they can have on your overall plan.

Income Protection & Asset Preservation services offered include but are not limited to:

• Long-Term Care
• Disability Protection
• Income Replacement
• Creditor Protection
• Trust Management

Debt Management

Debt is a fact of life, and properly managed, can help clients meet their goals. Nisivoccia Wealth Advisors raises the issue to make sure that a client stays on the right side of the balance sheet and keeps their borrowing practices in check.

Debt Management services offered include but are not limited to:

• Creditor Protection
• Efficient Credit Management

Business Planning

Business owners have countless daily demands on their time. Additionally, they must save for retirement and plan for what will happen to the business when the owner retires. Whether it's a buy-sell agreement between owners or an income preservation plan for your loved ones, Nisivoccia Wealth Advisors offers comprehensive support for complex business planning needs.

Business Planning services offered include but are not limited to:

• Business Succession
• Buy-Sell Agreements
• Non-Qualified Retirement Plans
• Retirement Plans
• Tax Reduction Strategies
• Key Employee Retention

Estate Planning

Designing your estate plan and defining your legacy is one of the most difficult and emotional components of your wealth management plan. Successfully planning the transfer of your wealth is critical to fulfilling the promises you've made in your life. Nisivoccia Wealth Advisors will work to minimize income and estate taxes and help maximize the financial opportunities you provide to your heirs and chosen beneficiaries. The goal is to help you leave behind the legacy you desire.

Estate Planning services offered include but are not limited to:

• Wealth Transfer and Tax Reduction
• Multigenerational Wealth Transfer
• Charitable Gifting
• Trust Services

Special Situations

Any event that forces dramatic and sweeping changes, such as marriage, divorce, birth, death or a large inheritance, is considered a special situation. These events can affect your estate plans and investment strategies. Nisivoccia Wealth Advisors will guide you through these situations to make sure you are prepared.

Special Situations services offered include but are not limited to:

• Incapacity and Control of Assets
• Special Needs Planning
• Elder Care Planning

Method 10® is property of Avantax Wealth ManagementSM All rights reserved 2019.
Contact one of our independent registered representatives on 973-298-8511.
Damien J. Paumi, CFP®,AIF®, CRPC®
Diane DeOliveira, CFP®
Guy J. Fernald, ChFC®, CRPC®
Berge Avedisian
Bruce S. Hesse, CPA, PFS
Mary Anne Bohlinger, CPA, CFP®
Stephen Galli, CFP®
Ryan Callahan