Financial Planning
529 College Savings Plan:
As tuition costs climb, saving early for education is key.
- Tax-Advantaged 529 Savings Plans are one of the most popular options for making sure school expenses will be covered when your child reaches college age.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.
401 (k) Planning:
Our financial planners can help you make decisions that reflect:
- Client Goals and Risk Tolerance
- Percentage Taken out of each Paycheck
- Which Investments these Contributions are Going to
403 (b) Plans:
Primiarly offered to employees of government and tax-exempt groups. Same as a 401 (k) plan, employees can defer money from paychecks into their 403 (b) account. Sometimes these are offered as Roth versions.
Asset Allocation:
Leave it to Celtic Wealth Management Group to help with your Asset Allocation, which can acccount for 90% of your investment's variability.
- Our professionals strike the right balance between stocks and bonds for our clients' risk-and-return expectations.