Fee-based financial and retirement planning
for affluent retirees in St. George, Utah


During a comprehensive tax, estate, and financial analysis

The financial advisors in our St. George office understand that you want solutions to achieve peace-of-mind by receiving comprehensive guidance in some or all of the following areas:

Tax Strategies

  • IRA distribution strategies
  • Minimizing or avoiding taxes on Social Security income
  • Avoiding (not merely postponing ) capital gains taxes on highly appreciated assets
  • Roth vs. regular IRA contributions
  • Alternatives to the Roth Option
  • Stretch IRAs vs. retirement trusts
  • Transferring assets from a taxable environment to an environment that generates a non-taxable retirement income and may pass income- and estate-tax free to your heirs

Estate Distribution Planning

  • Review and update estate documents, with a focus on uncovering assets that may unwittingly pass to unintended heirs
  • Ensure that you have the right trustee(s), addressing issues that may apply if your estate plan was created in another state
  • Life/Legacy Planning—taking your estate plan to new levels of effectiveness

Estate Tax and Settlement Cost Planning

  • Estate tax projections assuming one lives five years or more
  • Approaches to minimize and/or avoid a taxable estate
  • How to pay estate taxes with discounted dollars

Retirement Planning

  • Projections of income resources considering various assumptions: deficit spending, tax rates, inflation rates, interest rates, and longevity
  • Meshing lifestyle goals
  • Determining the preferred assets from which to draw income in what order to minimize taxes

Asset Protection Strategies

  • Strategies to maximize protection of your assets from frivolous lawsuits.
  • Strategies to protect against unintended creditors.
  • Determining the preferred assets from which to draw income in what order to minimize taxes

Investments and Asset Allocation Strategies
with a clear distinction between allocating assets that are non-securities versus securities*, including...

  • Comparing assets side-by-side according to criteria that matters to you: income tax implications, safety, returns, liquidity, guarantees, creditor protection, simplicity, and costs.
  • CD's and cash equivalents
  • Annuities
  • Over-funded Life Insurance
  • Trust Deeds
  • How to apply a Nobel Prize winning approach to your assets
  • Stocks*
  • Bonds*
  • Mutual Funds*
  • More*

*Securities advice solely through appropriately—licensed persons with companies not affiliated with Consultus.

Risk Management Analysis

  • Long-term care insurance
  • Medi-gap or Medicare supplement
  • Life insurance
  • Umbrella liability
  • Other