Wealth Transfer and Income Planning


Special Income Needs Require Special Income Planning

People requiring multi-year income such as Retirees, Divorcees, Parents of Special Needs Children, Personal Injury Victims and others need an income stream that is safe, reliable, increasing and flexible. At IPS Advisors, our income planning team builds comprehensive income plans that address these needs.

Projecting and Protecting Your Future

Our Income Planning team at IPS Advisors helps you understand and prepare for risks so you can protect your assets. We assess projected expenses and income sources. We also create a sound asset-allocation strategy relevant to your needs for portfolio growth or preservation. We help you choose investment options and explain their advantages and disadvantages. We continually monitor your asset-allocation plan as your life changes so that your portfolio is adjusted as your investment objectives change. Our goal is to develop successful planning that will protect your income, allowing it to last throughout the many stages of your life.

Spending Power – How Long Can You Last?

Retirement can last up to 25-30 years or more now. Will you have enough money to last that long? Did you know that Inflation at 4% cuts your purchasing power in half every 18 years?

Take a look at our Income For Life Model© and other planning tools to begin creating an income stream that satisfies your personal objectives and budget.

Contact us for a personal, no-obligation consultation. We are here to help.

Other topics include:

  • Multi-Generational Income Planning
  • Goals-Based Retirement Planning
  • Monte Carlo analysis of your investment portfolio
  • Take Your Lumps: Planning for distributions from Pension and Profit Sharing Plans, IRAs, 401(k)/403(b)/457 Plans, etc.
  • Should I convert to a Roth?
  • Mistakes you must not make with your retirement plan assets
  • Once in a lifetime opportunities for your Qualified Retirement Plan
  • Sudden Money Planning:
    How to deal with Sudden Money from the sale of a business or appreciated assets, inheritance, divorce or personal injury settlement, retirement plans, signing bonuses and lottery winnings.
  • Protect your income-Death, Disability and Claims of Creditors

This material is for informational purpose only and is not meant as tax or legal advice. Please consult with your tax or legal advisor regarding your personal situation. NFP does not provide legal or tax advice.

To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this communication, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.

Due to the relatively short period of time the life settlement market has existed, the market is currently loosely regulated and the number of bidders for any marketed policy may be limited. Prior to selling a policy, the insured should consider factors such as the continued need for insurance coverage, whether there are plans to replace the existing policy with another policy, how the sale of the policy will impact estate plans, and the availability of new insurance as well as the cost of comparable coverage. Where relevant, tax implications must also be taken into consideration.

Loans and withdrawals from insurance policies may generate an income tax liability, reduce available cash value and reduce the death benefit or cause the policy to lapse. Early withdrawals and other distributions of taxable amounts may be subject to ordinary income tax, a surrender charge, and if taken prior to age 59 ½, a 10% federal tax penalty may apply.

All guarantees are subject to the claims paying ability of the issuing insurance company.

Securities offered through Registered Representatives of NFP Securities, Inc., A Broker/Dealer and Member FINRA/SIPC Investment Advisory Services offered through Investment Advisory Representatives of NFP Securities, Inc. a Federally Registered Investment Advisor. IPS Advisors, Inc. is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. This site is published for residents of the United States only. Registered representatives and investment advisor representatives of NFP Securities, Inc. may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed.

For additional information, please contact the NFP Securities, Inc. Compliance Department at 512.697.6000

An NFP Company