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Retirement Planning

The key to a successful retirement is planning! Period. Spontaneous decisions can create long-term problems. With the complexity of today's regulations, tax law changes, and estate planning considerations, having a wealth management partner is vital to achieving your goals and preserving and growing your hard-earned capital!

Hunter Capital Wealth Advisors will work with you to develop a unique plan designed around you, your family, or your lifestyle that will help you achieve your goals.

With every plan we work to:

  • Develop a risk-measured approach to your portfolio management while establishing annual investment and savings goals
  • Accountability between parties and key communication with CPAs to develop a tax-efficient way to achievement
  • Build an estate planning process and plan, as well as connect you with a trusted attorney or firm, if needed, to help create this critical structure for your peace of mind

Start the retirement planning process today - contact us!

Traditional IRA's

Traditional IRA's are a great way to save and invest for retirement.

The IRA had its humble beginnings in 1974 under the first ERISA guidelines. The IRS publication 590 outlined rules for IRAs. Since then, there have been many changes and additions to the family of IRA accounts.

The most common type of account is the "Traditional IRA." The Traditional IRA allows you to deposit money into your account and receive a tax deduction on your income tax. To receive this deduction, you must first have wage income; wage income means that you have income sources besides dividends, interests, rental income, and other NON-wage income. You also have to phase-out the deductions for contributions.

Most people can make great use of this tool for retirement. For a complete history of an Individual Retirement Account,  click here.

Hunter Capital Wealth Advisors can help you set up a Traditional IRA - contact us!

Roth IRAs

Roth IRAs are a newer form of an IRA account created in the Tax Relief Act of 1997.

This new IRA has a few new and unique benefits:

  • Retirement distributions are TAX-FREE
  • Contributions are fully taxed
  • You must qualify to open and make contributions

One thing to consider is there are many rules, uses, and choices with Roth IRAs. This type of account should serve as a "tool" in retirement and not the sole vehicle to get there. Roth IRAs are frequently used in a holistic approach to retirement planning and sometimes not used until after retirement for conversions and other uses. Since there are so many rules and techniques, we encourage you to reach out to one of our staff to learn more about Roth IRAs and use our resource center to learn more.

Hunter Capital Wealth can help you set up a Roth IRA - contact us!

Custom Designed Plans for Businesses

At Hunter Capital Wealth Advisors we will never crowd you into a box that is 'one size fits all', especially when it comes to your Business Retirement Plan. We believe your business and its employees and needs are unique. We love to meet, here what you're looking for, and build a qualified retirement plan that is as unique as you and your company.

Our team at Hunter Capital will build a plan that is flexible and takes into consideration these factors:

  • Number of employees
  • Nature of your business
  • Desired amounts of capital returned to you as the business owner on a tax-deferred basis
  • Family partnerships or succession planning concerns
  • Top heavy and safe harbor provisions
  • Testing and compliance
  • Pre-existing plans that no longer meet your business needs
  • Integration and payroll deductions
  • Layered executive bonus plans
  • ESOP and others

There are so many factors that can play into a business plan, and it can get confusing! We are experts at this, and would love to help you through the process as well as develop a complete investment strategy to manage it. contact us!

Executive Bonus Plans

Executive Bonus Plans are probably one of the most complex and rewarding plans available for businesses and their most important employees and key executives. These people drive the company forward with vision, accountability and profits. We can help you take care of these folks, and keep them with your company for years to come.

Often Executive Bonus Plans include, but are not limited to:

  • Deferred Compensation Plans
  • Stock options and awards
  • Private Stock and ESOP plans
  • Insurance Funded Executive Bonus

With each plan we carefully build and construct to be fully compliant to IRS and state regulations. We consult with your CPA and our staff and attorneys as well.

Hunter Capital can help you develop Executive Bonus Plans for the pillars of your business - contact us!

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 

Some IRA’s have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney. Distributions from traditional IRA’s and employer sponsored retirement plans are taxed as ordinary income and, if taken prior to reaching age 59½, may be subject to an additional 10% IRS tax penalty.  There are no guarantees any investment or strategy will meet its intended objective.

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