HOW WE HELP
KITZMILLER FINANCIAL GROUP
However, ignoring the complexities of preparing for retirement is one of the quickest ways to a cash-strapped retirement.
The Kitzmiller Financial Group is an organization that can help individuals discover the benefits of planning for their retirement and learn how to implement a retirement plan once it has been developed.
The benefits of secured Income In Pennsylvania
A reliable stream of income in Central Pennsylvania can come from any number of resources. Some people will invest in rental properties. They’ll use the monthly rent check plus their Social Security to augment their existing retirement savings or pension. Others will rely on investment income as they roll in, providing more than enough to pay for their favorite leisure activities in retirement.
A financial professional like Tedd Kitzmiller is there to help individuals assess what kind of strategy will work best for them and how they want to execute the plan to fit in with their larger goals. Not everyone wants to be a landlord or take unnecessary risks with their assets. However you feel about risk, we feel that is an important aspect to discuss with you during our meeting.
If you live in York and want to know more about how to turn your assets into a more comfortable future, the staff
at Kitzmiller Financial Group offers a few questions to help guide you. Far from asking you to solve equations or memorize
fiscal definitions, they simply want to know:
1. Do you currently have a comprehensive financial and retirement plan?
2. How will your relationship with risk affect your overall planning decisions?
3. How happy will you be when you don’t have to worry about how your retirement lifestyle is going to go?
KITZMILLER FINANCIAL GROUP
The Kitzmiller Financial Group is an organization that can help individuals discover the benefits of planning for their retirement and learn how to implement a retirement plan once it has been developed.
The benefits of secured Income In Pennsylvania
A reliable stream of income in Central Pennsylvania can come from any number of resources. Some people will invest in rental properties. They’ll use the monthly rent check plus their Social Security to augment their existing retirement savings or pension. Others will rely on investment income as they roll in, providing more than enough to pay for their favorite leisure activities in retirement.
A financial professional like Tedd Kitzmiller is there to help individuals assess what kind of strategy will work best for them and how they want to execute the plan to fit in with their larger goals. Not everyone wants to be a landlord or take unnecessary risks with their assets. However you feel about risk, we feel that is an important aspect to discuss with you during our meeting.
If you live in York and want to know more about how to turn your assets into a more comfortable future, the staff
at Kitzmiller Financial Group offers a few questions to help guide you. Far from asking you to solve equations or memorize
fiscal definitions, they simply want to know:
1. Do you currently have a comprehensive financial and retirement plan?
2. How will your relationship with risk affect your overall planning decisions?
3. How happy will you be when you don’t have to worry about how your retirement lifestyle is going to go?
What We Can Help You With
retirement income planning
long term care
tax free retirement
efficient tax planning
wealth management
RETIREMENT
INCOME PLANNING
Retirement poses several difficult questions for most people. How much do I need to retire in Pennsylvania? What’s the right retirement age? What can retirement income planning do for me? It can be overwhelming for even the most financially secure people in Central Pennsylvania, to say nothing of those who have been ignoring their retirement for decades on end. The good news is that if you’re searching for how to plan your retirement income, you’re already taking a smart step in the right direction.
The Kitzmiller Financial Group is here to share more information and prepare strategies that will ensure you have enough when the time comes. And by “enough,” they don’t mean just enough to survive. They want you to truly enjoy your “Golden Years,” which is why they go above and beyond to evaluate all of your aspects.
How much to retire in York? This common query often prompts a common answer of $1 million. Easy to remember, this is around what you would need to withdraw anywhere from $40,000-$50,000 per year. However, this number is little more than an average and not necessarily the amount you should aim for by the time you’re ready to hang up your work hat for good. Each plan we develop is unique to you, based on your dreams, objectives, and retirement goals.
How retirement planning works
Your retirement plans may range from a simple cabin in the woods to non-stop luxury travel. It may involve a part-time job, volunteering, or funding all of your grandchildren’s college educations. Whether you want to live off the grid or in a penthouse, though, it takes some planning to get it right.
A financial professional like Tedd Kitzmiller first assesses your priorities and sketches out how much you’ll need to make it happen (while still building in enough of a cushion for all those unexpected expenses down the line). From there, it’s all about maximizing your monthly income. Social Security, rentals, dividends, retirement accounts: Whatever source it comes from, reliable income is the key to fully enjoying your retirement.
RETIREMENT
INCOME PLANNING
Retirement poses several difficult questions for most people. How much do I need to retire in Pennsylvania? What’s the right retirement age? What can retirement income planning do for me? It can be overwhelming for even the most financially secure people in Central Pennsylvania, to say nothing of those who have been ignoring their retirement for decades on end. The good news is that if you’re searching for how to plan your retirement income, you’re already taking a smart step in the right direction.
The Kitzmiller Financial Group is here to share more information and prepare strategies that will ensure you have enough when the time comes. And by “enough,” they don’t mean just enough to survive. They want you to truly enjoy your “Golden Years,” which is why they go above and beyond to evaluate all of your aspects.
How much to retire in York? This common query often prompts a common answer of $1 million. Easy to remember, this is around what you would need to withdraw anywhere from $40,000-$50,000 per year. However, this number is little more than an average and not necessarily the amount you should aim for by the time you’re ready to hang up your work hat for good. Each plan we develop is unique to you, based on your dreams, objectives, and retirement goals.
How retirement planning works
Your retirement plans may range from a simple cabin in the woods to non-stop luxury travel. It may involve a part-time job, volunteering, or funding all of your grandchildren’s college educations. Whether you want to live off the grid or in a penthouse, though, it takes some planning to get it right.
A financial professional like Tedd Kitzmiller first assesses your priorities and sketches out how much you’ll need to make it happen (while still building in enough of a cushion for all those unexpected expenses down the line). From there, it’s all about maximizing your monthly income. Social Security, rentals, dividends, retirement accounts: Whatever source it comes from, reliable income is the key to fully enjoying your retirement.
long-term care
Long-Term Care (LTC) has been a true asset for people who face serious injuries or illnesses in their lives. Covering the costs of anything from transportation to assistance with daily tasks (e.g., eating, bathing, dressing, etc.), this specialty form of insurance makes it possible for patients to avoid the daunting possibility of running through their savings.
Both in treatment and in recovery, it’s easy to let finances spin out of control. This uncertain time can lead to rushed decisions and serious consequences. It can have an adverse effect on your retirement plans and potentially wipe out much of what you’ve worked for. Even for those without a family history of chronic conditions, LTC has become something to consider for everybody. Those with LTC spend an average of 6 times less money on care than those without it.
If you live in York, Pennsylvania, the right financial professional can be the key to understanding how you can integrate this type of insurance into the rest of your portfolio. Tedd Kitzmiller has made a career by helping his clients in York, Pennsylvania. keep what they’ve earned — no matter what it takes.
is long-term care right for you?
The answer is specific to the individual. While this policy has the power to cover a multitude of expenses that healthcare insurance can’t, it’s also not the right decision for everyone.
Because Long-Term Care can make for ongoing expenses, it can be an expensive addition. That extra cost doesn’t always justify the returns, particularly if you never end up using the policy. While some insurance companies offer a portion back to the policyholder in this case, the terms aren’t always in their favor.
This is why it’s so important to have a professional who can take you through your options and boil down the pros and cons of each one. The Kitzmiller Financial Group is staffed with individuals who know how to assess your portfolio and protect your holdings, so you don’t have to question your decisions.
long-term care
Long-Term Care (LTC) has been a true asset for people who face serious injuries or illnesses in their lives. Covering the costs of anything from transportation to assistance with daily tasks (e.g., eating, bathing, dressing, etc.), this specialty form of insurance makes it possible for patients to avoid the daunting possibility of running through their savings.
Both in treatment and in recovery, it’s easy to let finances spin out of control. This uncertain time can lead to rushed decisions and serious consequences. It can have an adverse effect on your retirement plans and potentially wipe out much of what you’ve worked for. Even for those without a family history of chronic conditions, LTC has become something to consider for everybody. Those with LTC spend an average of 6 times less money on care than those without it.
If you live in York, Pennsylvania, the right financial professional can be the key to understanding how you can integrate this type of insurance into the rest of your portfolio. Tedd Kitzmiller has made a career by helping his clients in York, Pennsylvania. keep what they’ve earned — no matter what it takes.
is long-term care right for you?
The answer is specific to the individual. While this policy has the power to cover a multitude of expenses that healthcare insurance can’t, it’s also not the right decision for everyone.
Because Long-Term Care can make for ongoing expenses, it can be an expensive addition. That extra cost doesn’t always justify the returns, particularly if you never end up using the policy. While some insurance companies offer a portion back to the policyholder in this case, the terms aren’t always in their favor.
This is why it’s so important to have a professional who can take you through your options and boil down the pros and cons of each one. The Kitzmiller Financial Group is staffed with individuals who know how to assess your portfolio and protect your holdings, so you don’t have to question your decisions.
Tax-Free Retirement
When we’ve all been conditioned to believe that there is no such thing as “tax-free” in America, a tax-free retirement may sound like an empty promise. However, there may be more to this concept than first meets the eye. If you live in Central Pennsylvania, there are ways to organize your finances in a way that will protect the financial empire you’ve built.
Shielding your savings and assets from the government takes planning, but it can be done. And while an expert financial professional might not be able to get it quite to zero, they can certainly show you how to avoid leaving a tip.
Property exchanges, charitable giving, IRA adjustments: there are numerous methods to bring your taxes down to a level you’re comfortable with. The staff at Kitzmiller Financial Group can examine everything from deferred payments to account conversions. They show you how each move affects your bottom line, so you can make long- term decisions for your future.
How to Retire tax-free in Pennsylvania
It takes some work and a trained eye to rearrange your holdings. If this is something you want for yourself, though, all your efforts can really pay off. To get it all done, you need someone who knows the federal, state, and local tax codes that will help determine how you live during your “Golden Years.” Tedd Kitzmiller is a financial professional who can analyze all of your assets and give you recommendations on which direction to take.
Retirements don’t always go the way you planned, particularly as people are living longer and longer. Whether you need to unexpectedly fund a descendant’s education or require more medical care than anticipated, it can be nice to know that you’re holding onto as much of your property as possible as you age. It doesn’t matter if you’ve built your wealth through property or savings, Tedd Kitzmiller can work with your portfolio so that it’s thoroughly streamlined — without giving anything extra to Uncle Sam.
Tax-Free Retirement
When we’ve all been conditioned to believe that there is no such thing as “tax-free” in America, a tax-free retirement may sound like an empty promise. However, there may be more to this concept than first meets the eye. If you live in Central Pennsylvania, there are ways to organize your finances in a way that will protect the financial empire you’ve built.
Shielding your savings and assets from the government takes planning, but it can be done. And while an expert financial professional might not be able to get it quite to zero, they can certainly show you how to avoid leaving a tip.
Property exchanges, charitable giving, IRA adjustments: there are numerous methods to bring your taxes down to a level you’re comfortable with. The staff at Kitzmiller Financial Group can examine everything from deferred payments to account conversions. They show you how each move affects your bottom line, so you can make long- term decisions for your future.
How to Retire tax-free in Pennsylvania
It takes some work and a trained eye to rearrange your holdings. If this is something you want for yourself, though, all your efforts can really pay off. To get it all done, you need someone who knows the federal, state, and local tax codes that will help determine how you live during your “Golden Years.” Tedd Kitzmiller is a financial professional who can analyze all of your assets and give you recommendations on which direction to take.
Retirements don’t always go the way you planned, particularly as people are living longer and longer. Whether you need to unexpectedly fund a descendant’s education or require more medical care than anticipated, it can be nice to know that you’re holding onto as much of your property as possible as you age. It doesn’t matter if you’ve built your wealth through property or savings, Tedd Kitzmiller can work with your portfolio so that it’s thoroughly streamlined — without giving anything extra to Uncle Sam.
efficient tax PLANNING
Our tax plan depends on how much we make, what kinds of deductions apply to us, and which investments we favor. Stocks, rental properties, bonds, IRAs: Every asset requires a different approach.
Some people find their taxes as simple as totaling up how much their kids cost them throughout the year. They might just opt for the standard deduction and call it a day. However, efficient tax planning takes a little more ingenuity than what you may have previously thought. While it’s undoubtedly more work, you might be surprised at just how much money you can keep year over year.
The Kitzmiller Financial Group was established to help clients defer big bills from the government, manage tax brackets, and find the most economical retirement accounts. Your options are based not just on local, state, and federal tax codes, but also on your individual retirement plans.
what can tax planning do
for my retirement?
If you live here in York, tax planning makes it easier to see where your money is really going. It can also help you make room for other initiatives that you may have been putting off, such as charitable giving or purchasing a more profitable rental property. Regardless of what you do for a living, a financial professional like Tedd Kitzmiller can help you make sense of endless column figures and complex legal jargon.
The other major benefit of hiring a professional is the ability to keep up with regulation changes. While the most important elements of the tax code are rarely altered, anything from industry shifts to political turnover can affect your assets. If you’re not aware or prepared, you can end up paying far more than you should.
The right tax treatment during your working years can play a significant role in how your retirement goes. Regardless of how lavish or simple you need it to be, a more efficient game plan can be just what you need to secure a future that works for you.
Efficient tax PLANNING
Our tax plan depends on how much we make, what kinds of deductions apply to us, and which investments we favor. Stocks, rental properties, bonds, IRAs: Every asset requires a different approach.
Some people find their taxes as simple as totaling up how much their kids cost them throughout the year. They might just opt for the standard deduction and call it a day. However, efficient tax planning takes a little more ingenuity than what you previously thought. While it’s undoubtedly more work, you might be surprised at just how much money you can keep year over year.
The Kitzmiller Financial Group was established to help clients defer big bills from the government, manage tax brackets, and find the most economical retirement accounts. Your options are based not just on local, state, and federal tax codes, but also on your individual retirement plans.
what can tax planning do
for my retirement?
If you live here in York, tax planning makes it easier to see where your money is really going. It can also help you make room for other initiatives that you may have been putting off, such as charitable giving or purchasing a more profitable rental property. Regardless of what you do for a living, a financial professional like Tedd Kitzmiller can help you make sense of endless column figures and complex legal jargon.
The other major benefit of hiring a professional is the ability to keep up with regulation changes. While the most important elements of the tax code are rarely altered, anything from industry shifts to political turnover can affect your assets. If you’re not aware or prepared, you can end up paying far more than you should.
The right tax treatment during your working years can play a significant role in how your retirement goes. Regardless of how lavish or simple you need it to be, a more efficient game plan can be just what you need to secure a future that works for you.
Maximizing Social Security
The retirement security net in America has been scrutinized for decades now, particularly as medical and in-home care costs skyrocketed. Due to dwindling statements, some people have all but written off this program entirely.
However, for as many changes as there have been, there are also still opportunities that lie within the legalese of Social Security, and a financial professional like Tedd Kitzmiller can tell you more about how they apply to you. While this shouldn’t be your sole source of retirement funds, it can go a long way in paying for basic expenses. Kitzmiller’s mission is to get clients as much as possible out of a system they’ve likely paid into for most of their lives.
Increasing your monthly income
When you retire, there are a number of income sources that can ensure comfort during your “Golden Years.” From your savings to your pension to your IRA, the more secured revenue streams you have, the more stable you’ll be. Social Security is another tool in York that can supplement any other assets you may have amassed. Since the beginning of the government program in the 1930s, people have struggled to make the most of it, though.
If you’re interested in maximizing Social Security, you need to first know how people are paid, what they’re paid, and what influences the dollar amounts on every check. At Kitzmiller Financial Group, they try to help people get more when they file for benefits.
Your benefit statement is unique to you. No matter what your friends and relatives receive every month, you can’t make assumptions until you’ve filled out all the forms and received the final numbers back in return. An estimator can only give you a rough guess —nothing like what a financial professional can calculate for you. The only problem is that if you do make a mistake, there’s really not a lot of second chances. Make sure you’re getting accurate and detailed information, so you don’t leave anything on the table.
Maximizing Social Security
The retirement security net in America has been scrutinized for decades now, particularly as medical and in-home care costs skyrocketed. Due to dwindling statements, some people have all but written off this program entirely.
However, for as many changes as there have been, there are also still opportunities that lie within the legalese of Social Security, and a financial professional like Tedd Kitzmiller can tell you more about how they apply to you. While this shouldn’t be your sole source of retirement funds, it can go a long way in paying for basic expenses. Kitzmiller’s mission is to get clients as much as possible out of a system they’ve likely paid into for most of their lives.
Increasing your monthly income
When you retire, there are a number of income sources that can ensure comfort during your “Golden Years.” From your savings to your pension to your IRA, the more secured revenue streams you have, the more stable you’ll be. Social Security is another tool in York that can supplement any other assets you may have amassed. Since the beginning of the government program in the 1930s, people have struggled to make the most of it, though.
If you’re interested in maximizing Social Security, you need to first know how people are paid, what they’re paid, and what influences the dollar amounts on every check. At Kitzmiller Financial Group, they try to help people get more when they file for benefits.
Your benefit statement is unique to you. No matter what your friends and relatives receive every month, you can’t make assumptions until you’ve filled out all the forms and received the final numbers back in return. An estimator can only give you a rough guess —nothing like what a financial professional can calculate for you. The only problem is that if you do make a mistake, there’s really not a lot of second chances. Make sure you’re getting accurate and detailed information, so you don’t leave anything on the table.
wealth management
Wealth management in York, Pennsylvania, is a term that can apply to nearly any decision an individual can make about their money. Saving $40 a week by cooking lunch at home is certainly a form of wealth management (as is clipping coupons for any of the food you buy to make the meals). However, for investors, asset wealth management takes a little more expertise.
The staff at Kitzmiller Financial Group works to help your portfolio grow by applying proven strategies. Their tactics make it possible to lower your taxes, increase your bottom line, and even spread the love to your favorite charities and causes.
what can asset and wealth management companies do for your finances?
The point of a wealth management company is to help you make sense of the vast universe that is investment. A trained financial professional isn’t there to push you toward risky ventures (that bank your future on a long shot). Instead, they assess your tolerance for risk before recommending opportunities that fit within your parameters.
Tedd Kitzmiller knows that, for people in York, Pennsylvania it’s not always a straightforward path to wealth. People’s fortunes rise and fall based on everything from personal fortune to the general conditions of the market. No matter how many successes and failures you’ve had, though, he can streamline your holdings so they’re actually aligned with what you want to do in the future.
Wealth investment can ultimately make for a lot of mental energy, which isn’t always something busy professionals have the schedule to accommodate. This inattention to details can result in some painful experiences for these individuals. Having the right partner by your side can make all the difference when it comes time to total your assets. Tedd Kitzmiller keeps track of your accounts and alerts you when adjustments need to be made.
wealth management
Wealth management in York, Pennsylvania, is a term that can apply to nearly any decision an individual can make about their money. Saving $40 a week by cooking lunch at home is certainly a form of wealth management (as is clipping coupons for any of the food you buy to make the meals). However, for investors, asset wealth management takes a little more expertise.
The staff at Kitzmiller Financial Group works to help your portfolio grow by applying proven strategies. Their tactics make it possible to lower your taxes, increase your bottom line, and even spread the love to your favorite charities and causes.
what can asset and wealth management companies do for your finances?
The point of a wealth management company is to help you make sense of the vast universe that is investment. A trained financial professional isn’t there to push you toward risky ventures (that bank your future on a long shot). Instead, they assess your tolerance for risk before recommending opportunities that fit within your parameters.
Tedd Kitzmiller knows that, for people in York, Pennsylvania it’s not always a straightforward path to wealth. People’s fortunes rise and fall based on everything from personal fortune to the general conditions of the market. No matter how many successes and failures you’ve had, though, he can streamline your holdings so they’re actually aligned with what you want to do in the future.
Wealth investment can ultimately make for a lot of mental energy, which isn’t always something busy professionals have the schedule to accommodate. This inattention to details can result in some painful experiences for these individuals. Having the right partner by your side can make all the difference when it comes time to total your assets. Tedd Kitzmiller keeps track of your accounts and alerts you when adjustments need to be made.