Our Services
Tweed Financial Services A good doctor, when analyzing a health problem, goes beyond the obvious to ask about other factors that may be contributing to the problem. The same occurs in developing a financial plan for your future. While we can devise single application solutions, looking at the "whole picture" brings the full extent of our knowledge to your unique financial situation. The following list of Tweed Financial's areas of proficiency - and the supporting pages - are designed to give you an idea of the expertise you can put to your advantage. But often, by talking with clients about their entire financial and family situation, we find the best solution isn't one or two tactics, but rather a comprehensive merging of opportunities that allow you to take full advantage of our knowledge of the tax code and investing. We encourage you to learn more about Tweed Financial through the pages here on this site and by attending our popular and educational seminars. You'll be pleasantly surprised to learn how your financial situation may be improved. REAL ESTATE - Real Estate Investment Trusts (REITs)
- Fractional Interest Shares in Major Properties (TICs)
- 1031 Exchange Replacement Properties
- Alternative Tax Deferral Strategies ADVANCED TAX STRATEGIES - Tax Efficient Investments
- Capital Gains Tax Deferral
- Qualified Retirement Plans
- Over funded IRA Strategies ESTATE PLANNING - Living Trusts
- Life Insurance Trusts
- Charitable Remainder Trusts
- Private Foundations INVESTMENTS - Stocks & Bonds
- Alternative Investments
- Fixed, Variable, & Equity Indexed Annuities
- Individually Managed Portfolios
- Managed Futures
- Oil & Gas Programs INSURANCE - Life Insurance Strategies
- Long Term Care Insurance Real Estate Looking for ways to benefit from the equity you have built up in real estate investments without losing your gains to taxes? Is it time to restructure your real estate portfolio? Due to major changes in 1031 exchange rules (IRS Revenue Ruling 2002-22) there are many more options open to real estate investors. Tap into the multi-billion dollar Tenants-In-Common (TICs) market.
- Diversify real estate holdings to include different asset types and income streams,
- Trade up from labor-and maintenance-intensive, single-owner properties to large multi-owner properties that could be located anywhere in the U.S. and take advantage of different local markets.
1031 exchanges are complex transactions that must be properly structured and documented. This is an area of real estate where you need the involvement of tax and legal experts. With a TIC 1031 exchange, additional disadvantages can apply including loss of hands-on management and control, the potential for tenant defaults and the need to involve all TIC owners on significant issues. In any real estate investment, there are various risks, including but not limited to illiquidity, limited transferability, limits on management control of the property, variations in occupancy, which may negatively impact cash flow, and loss of principal. Real estate values may fluctuate based on economic and environmental factors. The suitability of such investment will be assessed for clients based on their objectives, risk tolerance and time horizon. We are also experienced in assisting clients with Real Estate Investment Trusts (REITs) and Fractional Interest Shares in Major Properties (TICs) and in transferring properties to younger generations or trust structures.
One division of Tweed Financial is devoted to assisting clients to choose nationwide properties through 1031 exchanges or outside cash investments. Tax Strategies Are you losing too much of your gains to taxes? Are taxes depriving your family of the assets you have built up over the years? Are tax laws too complicated? (The current IRS code book has well over 1,000 pages and the 3 major areas of taxation; income, capital gains and estate taxes are very confusing and often conflicting). Tweed Financial specializes in advanced tax and investment strategies that protect and enhance your financial future and that of your family and heirs. These strategies can help you: - Use tax efficient investments
- Defer capital gains taxes
- Take advantage of qualified retirement plans
- Develop strategies for over-funded IRAs If you are paying more taxes than you need to and are concerned about minimizing the impact of taxes on your long-term financial security, we can help. You may also want to attend one of our upcoming seminars CLICK HERE FOR SEMINARS Estate Planning Do you know how much will be left of your estate after state and federal taxes and probate and legal costs? Have you put a plan in place to maximize the value of your estate for your heirs? If your estate is worth more than $2,000,000 and you leave it to someone other than your spouse, estate planning is essential to assure that your assets go to the heir(s) you have designated, in a timely manner and with minimal impact from estate taxes, probate costs and other expenses. Tweed Financial can help analyze the impact of taxes on your estate and assist you in developing strategies to minimize taxes and assure a smooth, timely transfer of assets to your heirs. Our firm has also partnered with several attorneys to assist you in establishing trusts needed to protect your estate, including the following: - Living Trusts - a critical tool for real estate investors.
- Life Insurance Trusts - a specialized trust needed to hold title to life insurance that is purchased for estate planning purposes.
- Charitable Remainder Trusts - the preferred vehicle for liquidating a major asset, receiving a current tax deduction and income, and leaving a sizeable gift to a charity of your choosing.
-Private Foundations - used to remove assets from your estate and leave a legacy for your family to manage for future generations. Investments Are your investments appropriate for where you are in life and your goals and objectives? Are they structured to meet your needs? Stocks, bonds, mutual funds and individually managed portfolios In addition to analyzing the suitability of your investment portfolio, Tweed Financial offers a full range of brokerage services to handle your trades in stocks, bonds and mutual funds. When appropriate, we recommend various funds and bond ladders, and individually managed portfolios. Annuities
A full range of annuity products are available through our firm, including recent annuity innovations offered by the insurance companies. In fact, a special focus of Tweed Financial is keeping abreast of continual modifications in annuity offerings. For many of our clients, annuities offer features and guarantees not available in regular equities. Often investing at least a portion of your portfolio in annuities can give you a peace of mind regarding your retirement income, due to the guarantees they can offer. Managed Futures For our larger clients, we offer several managed futures funds. These funds each have a minimum 20-year performance history. Managed futures (or commodities) provide an alternative to the stock market because the futures market typically moves independently of equities. This non-correlation offsets the fluctuations in your portfolio that you would normally experience with the S&P 500 and other indexes. Managed futures/commodities usually carry a higher risk level than the S&P 500. Investors should be able to afford this higher level of risk. Each individual's risk tolerance and objective need to be considered prior to investing in any futures/commodities investment. Insurance Do you know your options when it comes to using life insurance to protect your family? If you require long-term care later in life, how will those costs be met? Life Insurance Strategies
Insurance can offer both a guaranteed return and a tax-free return that can be used for many purposes to protect your family. In addition to providing financial support to your family in the event of your death, insurance can provide liquidity for your heirs to deal with major tax issues that occur when settling an estate and other issues that may arise after your death. With insurance rates dramatically dropping over the past decade, in many cases, we can replace your existing insurance with more coverage for the same cost or at a reduced cost for the same coverage. Long-Term Care Insurance Increasing life expectancies for today's retirees also mean a greater chance that you or your spouse will require long-term care at some point in your life. Given the cost of quality care, long-term coverage is an important consideration for everyone. Tweed Financial Services is one of the few financial planning firms in the area to have a full-time specialist in the area of long-term care. We can help you analyze coverage options and cost comparisons to find the find a plan that's right for your situation.
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