200 Plantation Chase
St. Simons Island, GA 31522
Wealth Planning
Wealth Planning
At Graham | Adams, we enjoy helping individuals with wealth planning by providing expert advice and strategies to grow, protect and transfer wealth effectively.
Understanding
Financial Goals
- Saving for retirement
- Funding a child’s education
- Purchasing a home or investment property
- Planning for charitable giving or leaving a legacy
Tax-Efficient
Wealth Growth
- Investing in tax-advantaged accounts like IRAs, 401(k)s, or HSAs
- Maximizing deductions, credits and tax-loss harvesting opportunities
- Advising on real estate investments and other asset classes for optimal tax treatment
Retirement
Planning
- Maximizing contributions to retirement accounts
- Diversifying income sources (e.g., pensions, Social Security, investments)
- Managing required minimum distributions (RMDs) to reduce tax burdens
Estate &
Legacy Planning
- Creating a plan for distributing assets to heirs or charities
- Minimizing estate taxes using trusts, gifting strategies, and other tools
- Ensuring wills and estate plans align with financial goals
Education
Planning
- Setting up and managing tax-advantaged 529 plans or Coverdell accounts
- Evaluating alternative strategies, like trusts or custodial accounts
Managing
Charitable Giving
- Structuring gifts for maximum tax benefits (e.g., donor-advised funds)
- Advising on charitable trusts or direct donations of appreciated assets
Debt and Cash Flow
Management
- Creating a debt repayment plan that aligns with wealth-building goals
- Managing cash flow to ensure there’s adequate liquidity for investments and emergencies
Life Transition
Support
- Navigating financial impacts of marriage, divorce, retirement or inheritance
- Planning for healthcare costs or long-term care
- Adjusting your wealth plan during career changes or after receiving a windfall
Monitoring and Adjusting the Plan Based On:
- Changes in tax laws
- Market conditions
- Shifts in personal goals or circumstances
By combining financial expertise with strategic planning, we ensure your wealth is managed, preserved and aligned with your life’s aspirations, giving you peace of mind for the future.