Our Services
Mutual, Inc. is a full-service financial practice providing integrated services for individuals, families and organizations. No matter where you are in your life and career stage, we can help you craft a comprehensive financial strategy and savings plan to help you achieve your unique, personal goals.
Contact us to learn more about how we can help improve your financial well-being.
Retirement Planning
Your retirement – and planning for it carefully – requires more than just setting up accounts for your retirement investments. When done right, it is a process that includes thoughtful consideration of your current circumstances and long-term goals. We can help take the mystery out of planning for your financial future by helping you create an effective personal retirement savings strategy and providing reliable guidance and support every step of the way. Whether you’re just starting out, mid-career, nearing retirement or living in retirement now, we’re here to help you get on track to your retirement dreams.
Retirement Income Planning
You’ve worked hard to finally retire, or you’re close to retirement, so congratulations! Now it’s critically important that you have the right strategy in place during this very different phase of life with professional guidance you can trust. Living in retirement requires a carefully constructed plan of action to help make your savings last. This includes calculating your approximate annual expenses, determining how you can safely withdraw what you need, and which accounts to withdraw from first. Contact us to discuss a retirement income strategy that’s designed to meet your unique needs.
College Planning
There are many ways to save for a college education, including starting as soon as possible to leverage your greatest asset; time. With the cost of higher education rising every year, and the burden of student loans facing young graduates, planning for the cost of college is more important than ever. A 529 plan, also known as a qualified tuition plan, is the most common savings plan for college expenses, but Education Savings Plans, Roth IRAs and Coverdell Education Savings Accounts (ESA) are also options. Contact us for guidance, and start saving for college today.
Estate Planning
You can ensure that your assets are protected and passed on to the people and organizations you care about with estate planning, which also can help minimize the impact of taxes and other costs on your estate. Not limited to high net-worth individuals, everyone should take steps to establish a strategy to help protect and distribute their assets the way they want them distributed while avoiding probate, legal delays and expenses for their heirs. We can provide a thorough analysis of how an estate plan could help you attain your financial goals and protect your assets.
Insurance Planning
Analyzing the types of insurance you may need to protect your assets – and your ability to create assets – is a process known as insurance planning. Many different aspects of your comprehensive financial circumstances are assessed in the insurance planning process, from determining the type and amount of life, health, and automotive insurance you need, to whether disability and long-term care insurance might be appropriate for your personal situation. Insurance is just one part of a well-structured financial strategy and it should be considered in your overall financial plan of action.
Tax Planning Services
Working together with a CPA, we can provide a full range of services to help you attain your financial goals. By coordinating with a CPA to create the most tax-efficient solutions possible for your personal circumstances, such as lowering your tax liability or increasing your tax deductions, we can help you optimize your retirement savings.