SFMG Wealth Advisors

At times, the financial media portrays advisors as overly expensive with little value added.

With the increased availability of information through the Internet, investment software, and the ability to access advice from investment sponsors, some believe that the advisor is not necessary.

The question that you must answer is:

“Do I have the time and the expertise to filter the vast amount of information that is available and apply it to my individual situation?”

Retirement Planning

How much money will I need to retire?
What rate of return do I need in order to provide an annual income and offset the effects of inflation?
Your income needs must be adjusted for inflation to calculate your “Required Rate of Return”.
How do I get the most from my retirement assets?
Do I take income from my retirement plans first, or from previously taxed money?
How do I plan for the Required Minimum Distributions from my IRA?

Investment Planning

How much risk am I taking?
Can I stand a 20% loss of my money, and for how long?
What is the worst year my portfolio ever experienced?
How do I maximize my returns?
Diversification reduces risk and can increase returns….but am I really diversified by simply owning a lot of funds?

Income Tax Planning

Am I taking advantage of all the available deductions?
Can I put more money into my 401k?
Is it better to defer taxes or pay them as you go?
When does a tax-deferred investment work to my advantage?
Is a tax efficient mutual fund better for me than deferring taxes.

Estate Planning

How can I best arrange my estate to leave the most to my family?
Which is the right type of will for me?
Do I need a trust?
Should I consider making gifts now?
What elder care questions will I face?
Do I need to provide for long-term care?
Should I have Durable Powers of Attorney?

General Finance

Should I pay off the mortgage on my house or invest the money?
What is the after tax cost of my interest?
Can I earn more than my cost of money on a guaranteed basis?
Should I buy or lease my cars?
What are the true tax benefits of leasing?
If owning a car is so bad, why do the leasing companies own them?

Risk Management

How much life insurance do I really need & what type?
What is the insurance for & how long will I need it?
Should I buy term or permanent?
What happens if I become disabled?
Do I need to replace my income with insurance?
How much income would I need?