Financial Services

At Johnson Brunetti our advisors use the best tools and strategies we have available to develop a solid retirement strategy. It’s important for your financial advisor to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.

At Johnson Brunetti, we offer or can refer you to professionals providing the following services, click on a service below to view more details:

Retirement Income Plans are not just for the wealthy. With a customized retirement income plan from Johnson Brunetti your dreams and goals become the focus of your retirement. Based on discussions between you and your financial advisor, you will know where you stand right now and where to make adjustments to help you achieve the financial freedom you desire.

As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine when retirement was only expected to last five to ten years. Since people are living longer today, we feel you need an efficient and effective plan tailor-made to your unique situation; one that is built to last your lifetime and beyond.

At Johnson Brunetti we have a team of CERTIFIED FINANCIAL PLANNER™ certificants and Financial Advisors to help you construct the investment portfolio that we believe will best help you reach your goals. We act as fee-based investment managers using a combination of stocks, bonds, mutual funds, ETF’s, and annuities in concert together to minimize risk while maximizing potential cash flow.

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½)
  • Transfer the money to another employer plan (if plan allows)
  • Roll the money over to an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and use the best tools and strategies available to us to help conserve and grow your rollover assets.

Estate planning is simply determining how to protect and best manage your estate while you are alive and where your assets should go when you pass on.

There are many different types of trusts, which can be complex to set up and execute. We can walk you through options that may be appropriate for you and your loved ones, then direct you to a highly qualified attorney who can draft the legal documents to remain consistent with your goals.

Many families that we help at Johnson Brunetti are concerned about losing their hard earned assets to nursing home costs, lawsuits and children or heirs that may not share their conservative financial values. We can discuss options to alleviate these concerns, so that your assets end up in the hands of the people that you love and the organizations that you care about.

Is Long-Term Care insurance right for you? Insuring against Long-Term Care costs is an important decision to be considered in the context of your overall financial plan.

Long-Term Care insurance can be expensive, but there may be alternative legal strategies and new hybrid Long-Term Care Life insurance policies that may be more appropriate for your individual situation.

Our financial advisors will help you analyze the pros and cons of a ROTH conversion strategy and, if appropriate, walk you through the intricacies of the process to create tax-free income for you and your heirs.