Polk Financial Advisors understand the tax implications of your financial decisions. We employ tax efficient strategies in all aspects of our financial planning and wealth management services. In fact, we believe that utilizing optimum tax efficiency serves as the cornerstone throughout our entire wealth management process. By utilizing our knowledgeable perspective on the complex tax landscape we can help you maximize your financial potential. After all, its not just how much you earn or invest, its how much you have to show for it after the various tax consequences during each step of the way.

As CPA's we can prepare your business, individual, trust and estate returns and always have our eyes on what the tax impact of your investments will be and advise you properly during the investment, retirement and legacy planning.

• Tax-Smart Investing
• Income Tax and Estate/Trust Tax Planning
• Charitable/Gift Planning
• Preparation of Business, Individual, and Fiduciary Entities Income Tax Returns

Financial planning is a blueprint for achieving your life's goals. It involves a number of areas that are used at looking at a client's total financial picture. A comprehensive financial plan serves as a guide for you to efficiently structure your spending, debt and maximize your after tax income to save and invest for the future to build and retain wealth.

Some of the key components that can be used in a financial plan may consist of retirement, investment, tax, and education planning.

• Budgeting and analysis of income, expenses and debt
• Identify areas to efficiently increase after tax income and cash flow
• Prioritize excess earnings and help determine how much should be invested and in which types of investments to reach your specific goals

Because the average American spends about twenty years in retirement, you need to ensure that your retirement savings last your lifetime. Polk Financial Advisors can help you identify and assess your retirement accumulation options which allows you to make smart financial decisions for goals that are important to you. We assist you in making the most of your employer-sponsored plans, IRAs and other retirement investments so that your income is sustainable to fund your retirement dreams.

• Help you determine how much saving will be required to achieve your aspirations in your post-working years.
• Limit taxability of retirement assets so earnings last
• Distribution planning that maintains adequate retirement corpus or allows a specified amount for heirs.

Polk Financial Advisors will guide you through the investment planning process. We can help you prepare for your savings goals whether they are for children's college expenses, purchasing a new home or retirement. Your investments are tailored for whatever financial life-cycle you are at. Your assessed risk tolerance along with your financial goals will be incorporated into a diversified and properly allocated portfolio that will be monitored and rebalanced to reflect changes as your needs change.

• Allocation, diversification and rebalancing of non-qualified assets
• Minimize annual tax consequence
• Construct an efficient portfolio that provides the most return for a given amount of risk; or the least amount of risk for a given amount of return

Estate and trust planning concentrates on transferring property during lifeftime and death to your beneficiaries in the manner you wish coupled with a goal of minimizing federal and state income and estate taxes during the process. This will enable you to pass as much of your estate as possible to your heirs and beneficiaries.

• Trust and estate tax planning
• Preparation of tax returns for trusts and estates
• Wealth transfer and charitable gifting

College costs have increased dramatically over the years and many graduates have struggled to pay off their student debt. Proper financial planning for college costs will help toward the goal of having the ability to pay for higher education expenses.

• Review of investments and savings affect on financial aid and other assistance
• 529 college savings plans
• College expense financial planning

A properly designed and carried out comprehensive financial plan would not be complete without consideration to risk management. Polk Financial Advisors will help you to identify, assess and implement strategies to protect your assets and earnings from financial and legal threats.

• Review of insurance to ensure appropriate risk transfer
• Disability and Income replacement
• Creditor Protection