Retirement Planning

Retirement Planning

Whether your retirement is right around the corner or years away, we understand that planning for your future is crucial for your peace of mind. 

At CGA, we begin by developing an understanding of what you hope to accomplish during your retirement years. Whether it's traveling, purchasing a vacation home, or beginning the transition of wealth to your heirs, your team develops specific strategies to help you achieve your goals.

We also support you by introducing professionals who are knowledgeable in selling a business, transferring or gifting assets, and changing your investment strategy as you near retirement.

Steps may include:

  • Wealth Building Strategies
  • Cash Flow and Tax Minimization
  • Asset Protection Strategies
  • Retirement Income Distribution Planning
  • Social Security, Medicare, and Medicaid Planning
  • Elder Care Planning


February 3, 2020Admin

Estate, Gift & Trust Planning Considerations: Planning Before the 2020 Elections

If you: • have an estate of $1,000,000 plus, • are using annual exclusion gifting to fund insurance premiums in an irrevocable life insurance trust (ILIT), • have grantor trusts, including rolling GRATs, or any other trust strategies, • are front-loading 529 contributions for children or grandchildren,

January 31, 2020Admin

Key Provisions of the SECURE Act of 2019 Affecting You as an Individual

In December 2019, Congress passed, and the President signed into law, the SECURE Act. This landmark legislation, (which stands for Setting Every Community Up for Retirement Enhancement Act), may affect how you plan for your retirement. Most of the provisions go into effect in 2020, which means now is the time to consider how these new rules may affect your tax and retirement-planning situation. Here is a look at some of the more important elements of the SECURE Act that may have an impact on you as an individual taxpayer. The changes in the law might provide you and your family with tax-savings opportunities. However, not all of the changes are favorable, and there may be steps you could take to minimize their impact.