Retirement Planning

Receive personalized guidance and a comprehensive financial plan designed to manage risk, improve performance, and ensure the growth and longevity of your wealth. Discover strategies to avoid the common pitfalls that often lead many in the middle class to financial insecurity in retirement. At HSM & Associates, we will help you: 

‍

• Build robust Saving for your children
• Successfully transition into retirement and maintain financial stability.
• Prepare effectively for long-term care, leveraging the benefits of Tax code IRC 7702B.

‍

Estate Planning

Navigating estate planning can be overwhelming due to its complexities and red tape. Our experienced team is here to guide you through every step of the process.

Are you aware of strategies to shield your income from probate court expenses? Many individuals lack the knowledge on how to prepare or navigate the probate court system effectively. Count on us to support you and your family in overcoming these challenges and ensuring your financial security. We will help you learn more about IRS tax code IRC 101(a) and how it impacts your estate planning.

‍

Wealth Management

Our integrated wealth management service is designed to grow and preserve your income and assets, as well as determine how much is to be distributed and for what purpose.

Did you know there are avenues to grow your investment portfolio tax-free and shield it from market losses? Most people rely on traditional variable and tax-deferred accounts like 401K or IRAs and taxable portfolios like stocks, CDs, and Savings accounts. At HSM & Associates, we unveil strategies under IRC section 7702 to:

‍

• Safeguard your investments against market downturns.
• Ensure steady growth potential.
• Avoid double taxation on income.
• Establish tax-free retirement accounts. 

‍

Kids Savings Planning 

Are you planning for your children's future? 

‍

At HSM & Associates, we recognize the importance of securing your child’s future. Whether it’s through a traditional 529 college fund savings account or an advanced investment portfolio that your child can grow, access, and retire with, tax and penalty-free, we’re here to educate and guide you in choosing the best option.

Contact us today for a free consultation and begin the journey toward a stable financial future for you and your family with our tailored income protection services.

‍

‍