Question 1

Are taxes going to increase in retirement?

Accepted Answer

This is a fascinating question because it depends upon your unique situation. Many of our clients have found that their tax rates come down in retirement because their income is lower, or the way that their income is taxed is different. This presents some excellent financial planning opportunities that we can take advantage of. However, we are also aware that many people enjoy retirement for twenty or thirty years. This is a very long time, and we need to understand that potential tax increases during that time frame are likely. This also offers some unique financial planning opportunities that we work with our clients to solve. The good news is that good planning will win the day no matter if our tax rates are going up or down.

Question 2

I’m looking to simplify my life. Can you just do everything I need?

Accepted Answer

That is our goal! We offer a holistic and comprehensive experience as a team of professionals working on your behalf. Our clients are busy people who would rather spend time doing fun things in retirement than managing all of their financial affairs independently. Our extensive team of experts should handle any situation that arises, but we can also find additional resources if needed outside of our immediate network.

Question 3

Are you a fiduciary?

Accepted Answer

Yes! A fiduciary is an individual who acts in the best interest of a particular person or beneficiary. Fiduciary financial advisors must only buy and sell investments that are the best fit for their clients. Fiduciaries have a bond of trust with clients and must avoid conflicts of interest.

If you're going skydiving, it helps to know that your instructor has your best interest at heart. You trust that they'll ensure your parachute opens on time and that you land safely on the ground.

Working with a financial advisor may not be life or death, but they do hold the ripcord to your financial future. There's an ethical parachute some financial advisors abide by that helps ensure you stay safely on course: the fiduciary duty.

If you work with a fiduciary financial advisor, it means that they have your best interests at heart — but be careful because not all advisors do.

We are proud to uphold the fiduciary standard for our clients.

Question 4

How am I sure if I qualify to work with you?

Accepted Answer

We love helping the members of our community, and we attempt to help everyone that reaches out to us. However, we do our best work for people that:

Live in the Treasure Valley.
Are five years away or less from their retirement goal, or have recently retired.
Have saved at least $500,000 toward their retirement goal.
Value having a team professionals managing their financial affairs.

Question 5

What is Treasure Valley Financial Planning’s relationship with TD Ameritrade and how are my assets protected?

Accepted Answer

Treasure Valley Financial Planning has chosen to affiliate with TD Ameritrade as the custodian for our client’s investment accounts. TD Ameritrade Institutional is a leading provider of comprehensive custodial services to more than 5,000 fee-based, independent Registered Investment Advisor’s and their clients. These Registered Investment Advisor’s entrust them with over $200 Billion in custody assets with 775,000 client accounts. Specifically, Treasure Valley Financial Planning chose TD Ameritrade because their advanced technology platform and dedicated service team allows us to run our firm more efficiently and effectively, optimizing the time we can spend with our clients.

TD Ameritrade is committed to delivering one of the highest levels of security in the industry – at no additional cost to the client. Accounts held at TD Ameritrade are insured by FDIC and SIPC. TD Ameritrade also provides coverage in addition to the established limits of SIPC with supplemental coverage through London Insurers. For more details on TD Ameritrade’s Asset Protection Guarantee, click here.

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Have Questions?

Are taxes going to increase in retirement?

I’m looking to simplify my life. Can you just do everything I need?

Are you a fiduciary?

How am I sure if I qualify to work with you?

What is Treasure Valley Financial Planning’s relationship with Charles Schwab & Co. and how are my assets protected?

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Meridian, Idaho