Broker Check

Services

How We Work

Our firm specializes in helping individuals, families and business owners develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

Wealth Management Made Easy

At Perpetual Wealth Financial, we take the approach that Wealth Management does not have to be complicated although it’s a complicated subject. We work to identify our client’s needs, then develop a plan that could be complicated in scope, but communicated in a manner that’s simple to understand and extremely simple to implement.

In addition, we believe that any strategy that’s implemented must be easy to maintain.  Most complicated strategies end up getting shelved no sooner than they’re implemented due to the many steps clients are required to take to make it work.

Our approach is simple.  We implement a

  • Cash Flow Management System
  • Cash Reserve System
  • Income Generation Strategy

Once the systems are in place we simply review each area on a quarterly basis to ensure clients are on track to achieving their goals.

College Financial Planning & Admissions Counseling

When it comes to saving and paying for college, as a SET (Strategic Education Technologies) Advisor, I can help make a college education an affordable reality. Our group has the expertise to help you develop the best plan possible and make the best financial choices for you and your family.

Many financial advisors and CPA’s have not been trained in the specialty of college financial planning and are therefore limited in the assistance they can provide. But when it comes to college financial planning, we can deliver the highest caliber of knowledge and service.

By working with your existing financial resources we can help you learn ways to make college more affordable and have a positive impact on your quality of life and your other financial priorities such as vacations, home improvements and retirement plans.

We will help you develop a plan for your particular needs, for instance we can provide valuable cash flow analysis to help you produce the funds for college and still have money for your immediate and long term needs.

By sharing important tips and specially designed college funding strategies, we can help you reduce the cost of college and help you have the resources to pay the balance.

We will review a variety of ways to actually pay for college in a comfortable manner.

Specialties:

  • Determining your eligibility for financial aid.
  • Identifying merit based aid for which your student might be eligible. 
  • Introducing you to Financial aid friendly investment options that can save you thousands of dollars. 
  • Find the best schools for your child based on his/her interests and your budget.
  • Help you get the largest financial aid package available to you.
  • Guide you through the college and financial aid application process.
  • Provide you with a college planning checklist and timeline for completion of necessary steps.
  • Show you how to pay for any out-of-pocket portion of your child's college costs in the most efficient and tax-favored manner possible.

You deserve the piece of mind that comes from working with a trusted SET College Funding Advisor. Take charge of your financial future. Work with us to develop your personal plan to pay for college without going broke. 

Business Planning Solutions & Financial Services

Our breadth of Small Business solutions ensures that we are able to best match your needs no matter which aspect of investing you require.

Our retirement investments are all bound by the same top tier fiduciary loyalty. All strategies that involve investing directly in the markets benefit from our dynamic Smart investing and we will never recommend a product that we do not believe matches your business’s financial goals.

  • SEP IRAs
  • 401Ks
  • Simple Plans
  • Buy/Sell Agreements
  • Split Dollar Agreements
  • Key Employee Insurances
  • Corporate Investment Management
  • Defined Contribution Plans
  • Business Estate Planning or Succession Planning
  • Cost Remediation

We offer a number of strategic planning options for businesses and small business owners. Our experienced advisors can personally assist you with your business needs, including but not limited to; cost segregation studies, property tax recovery, energy tax incentive audits, hiring incentives, and manufacturing tax credit studies. Our national team of industry experts will work with you to discover which services are right for your business, and can even provide a calculation of benefit that each service will yield.

We provide our clients with the highest industry recognized level of service and a single solution to capture the broadest range of federal, state and local tax credits and incentives. We structured our organization and processes to meet all of the challenges commonly experienced by companies attempting to capture financial savings and reinvest in their businesses with a focus on each client’s specific industry, circumstances and goals.

Throughout each project our team works side by side with our clients, CPAs, and accounting staff to ensure a smooth integration of these lucrative tax credits. We also offer expense reduction strategies, specialized retirement programs, corporate financing options and other business benefits.


Retirement Planning

Our retirement planning services are very robust.  They include but are not limited to

  • Pension Planning & Advising
  • Maximizing Retirement Income
  • Estimating Retirement Needs
  • Social Security Planning
  • Wealth Transfer & Estate Planning
  • Tax Planning Strategies

Tax Deductions You Won't Believe

Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

What If You Get Audited?

The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

cdewey@guardianpointepwm.com  |  (877) 434-6243