SERVICES
One Stop. Many Options
Financial Planning
Medicare & Long Term Planning
Tax Planning
Estate Planning
FINANCIAL PLANNING
Preparing for retirement should create excitement, not concern. Yet for many, that’s not necessarily the case.
According to a recent study, 60 percent of pre-retirees do not have a plan for how much money they will spend each year in retirement and where that money will come from.1 Additionally, three in four Americans are concerned about economic conditions affecting their ability to have a secure retirement.2
That’s where we come in.
We use insurance products, such as fixed annuities, and a variety of investment products to help you build financial strategies. From tax-efficient strategies to investment advice to protecting some of your assets — we’ll cover as many bases as possible to help you create a strategy that supports your retirement lifestyle and long-term financial goals.
Once we understand your financial situation, risk tolerance and investment objectives, we can help you decide which types of products and services fit within your financial strategy.
1: Greenwald & Associates. Society of Actuaries. January 2016. “2015 Risks and Process of Retirement Survey.” Accessed Jan. 30, 2018.
2: The National Institute on Retirement Security. February 2017. “Retirement Security 2017: A Roadmap for Policy Makers – Americans’ Views of the Retirement Crisis and Solutions.” Accessed Jan. 30, 2018.
ASSET PROTECTION
Diversifying your retirement assets among a variety of vehicles may offer you the best chance of meeting your retirement income goals.
MEDICARE & LONG TERM
CARE PLANNING
Retirement planning goes further than asset management.
Planning your retirement around your assets alone can leave an unintentional gap. Your physical health is a part of your financial health, which means Medicare and Long Term Care planning is an integral part of your financial success.
That’s where we come in.

Planning for your Medicare options can be an overwhelming task. At Terra Firma, our goal is mitigate that stress by providing you with the best solution for your Medicare needs. Health and Wealth go hand in hand. Let us walk you through the different options and tactics within Medicare while answering your questions to come up with the best plan for you.

Additionally, once your income plan is established, we’ll create an investment plan for the remaining assets you don’t need to draw from month to month. This includes:
  • We’ll create a plan designed to help you
  • Analyzing options for a long term care plan
  • Exploring alternative funding options
Contact us to discuss your Medicare Health Plan options including Medicare Supplement, Medicare Advantage, and Part D Prescription Drug Plans.
BOOK A MEDICARE/LTC CONSULTATION
LONG TERM CARE STRATEGIES
We can help evaluate your situation and determine what kinds of products could fit into a comprehensive long-term care strategy.
IRA/401 K ROLLOVERS
We can help you determine if a rollover is the right move for you.
IRA LEGACY PLANNING
If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy.
TAX PLANNING
Tax planning is a key component to your financial plan. Let us help you through your journey and plan for success.
Tax planning is a piece of your financial plan, but can have a large impact on your goals. We aim to take a birds eye view at your situation to find opportunities for tax efficiencies within your plan and execute those as you move forward in your financial journey.
Any comprehensive retirement plan includes a strategy for addressing taxes. This includes: Annually assessing the taxable nature of your current holdings
  • Strategizing ways to include tax-deferred or tax-free money in your plan
  • Analyzing which tax category to draw income from first to reduce your tax burden
  • Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries
BOOK A TAX PLANNING CONSULTATION
RETIREMENT INCOME STRATEGIES
We can help you decide which types of products may work best within your overall financial strategy.
WEALTH MANAGEMENT & INVESTMENTS
We can help you decide which types of products may work best within your overall financial strategy.
TAX-EFFICIENT STRATEGIES
Rising taxes may be a concern for anyone – especially for individuals approaching retirement.
ESTATE PLANNING
Plan for what you can’t anticipate.
You’ve worked hard for your assets, so it’s important to ensure anything remaining goes to your beneficiaries. By working collaboratively with a qualified estate planning attorney, we will help you:
  • Maximize your estate and income tax planning opportunities
  • Protect any assets in trusts and ensure they are distributed probate-free to your beneficiaries
  • Secure your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
BOOK AN ESTATE PLANNING CONSULTATION
LIFE INSURANCE
If helping a loved ones maintain a standard of living and avoid financial hardships after your passing is a priority for you, life insurance products can help.
TAX-EFFICIENT STRATEGIES
Rising taxes may be a concern for anyone – especially for individuals approaching retirement.
ANNUITIES
Adding an annuity may be an opportunity to help ensure a portion of your retirement income will be guaranteed.
WE CAN ALSO REFER YOU TO PROFESSIONALS WHO PROVIDE THE FOLLOWING SERVICES:

Trusts, Probate, Charitable Giving, Elder Law

Terra Firma Financial Advisory and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Terra Firma Financial Advisory. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.