WE'LL GUIDE YOU THROUGH and CONNECT YOU TO FINANCIAL FREEDOM

 We specialize in providing wealth advisory and investment services and tax advice for clients seeking financial freedom and security.

 

Who We Serve

We develop tailored solutions to help our clients work towards their financial goals. Our focus encompasses the Accumulation, Protection and Transferring of your wealth to future generations to meet your family’s objectives.

Additionally, professionals nearing retirement are many times too busy to do in-depth retirement planning. We work with professionals to make sure all areas of retirement planning are addressed, especially focusing during this phase of their lives on the accumulation of adequate wealth for a comfortable, worry-free retirement. 

The transition into retirement can be overwhelming. Furthermore, every insurance agent and broker seems to want to sell you a high-priced annuity loaded with hidden fees and surrender charges. We work with clients to make this transition intelligently over time, using low-cost no-load investments. We also help with the many decisions faced by a retiree.

 

The needs of each business owner are unique.

We create an environment that allows you to focus solely on the growth and security of your business. Our wealth management solutions are designed to integrate both your personal and business financial needs via a customized plan to maintain the strength of your business and to work towards personal financial security.

In addition, many small businesses have the desire but lack the skill and time to find ways to help their employees prepare for retirement successfully. We work with countless business owners in providing retirement plan services, risk management consulting, succession planning and estate planning.

 

Our Services

LIFE-INTEGRATED FINANCIAL PLANNING...
HELPING CONNECT YOU TO YOUR FINANCIAL GOALS

 

You likely have several financial planning pieces in place—you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life. Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?

To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of each other piece. We call this life-integrated financial planning, and we are experts in this area. We’ll look at your entire financial picture and help you fit the pieces together properly.

We'll ask you lots of questions, including:

  • What does your ideal life look like? Read more about Goal Setting
  • Do you know where your money goes each month? Read more about Cash Management
  • Are you confident that you and your assets are adequately and properly insured? Read more about Risk Management
  • Will you be able to retire with the lifestyle you want? Read more about Retirement Planning
  • Who is deciding what happens to everything you’ve accumulated when you die—you or the state? Read more about Estate Planning
  • Are you funding your child’s education at the expense of your future? Read more about Education Funding

See Our Process

 

OBJECTIVE INVESTMENT ADVICE...
HELPING GUIDE YOU ON YOUR FINANCIAL JOURNEY 

 

PORTFOLIO MANAGEMENT AND FINANCIAL PLANNING SOLUTIONS

We offer a broad range of portfolio management and financial planning solutions customized for your specific needs, goals and life stage.  We apply a clear, well-defined and objective process.  Below is a cross-section of wealth management issues that our clients commonly encounter.  For help with these issues or questions, please Contact Us.

 

KEY PORTFOLIO MANAGEMENT FACTORS 

  • What is the current risk level of our total investment portfolio?
  • Does our current portfolio meet our lifestyle needs? How might we reposition our investments to meet our lifestyle objectives?
  • What is our net annual return in dollars and on a percentage basis?
  • How much are we paying annually for investment advice?
  • How tax-efficient is our investment portfolio? 

PLANNING FOR RETIREMENT

  • How soon can we afford to downsize our careers or elect to fully retire and reasonably be expected to maintain our standard of living throughout our retirement years?
  • Now that we are finally reaching our retirement years, how should we modify our investment plan to provide more stability and higher income at the expense of higher growth and volatility.
  • What assumptions are prudent to make about inflation, rate of return on investments, longevity?

FINANCIAL MANAGEMENT DURING RETIREMENT

  • How much can we draw annually from our investment portfolio to supplement other sources of retirement income, while still making sure that our portfolio value keeps up with inflation?
  • What are the optimal choices to make for required minimum distributions from our retirement accounts prior to reaching age 70 1/2?
  • What investments should I spend first in retirement – taxable or tax-deferred retirement assets?
  • Should we consider long-term care insurance? What are the key factors to consider?
  • My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?

 

SKILLFUL TAX PREPARATION AND PLANNING...
HELPING YOU MINIMIZE YOUR TAX BILL

 

You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. While it’s hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That’s no surprise when tax laws change every year—even in years when no major tax legislation is enacted.

How much of that money is yours? Wouldn’t you rather see those funds in your bank account or put aside for your retirement or other financial goals?

Do you want to reduce your tax burden? Do you want to increase your assets? We can help!

We specialize in personal income tax preparation and planning and will identify the tax-saving approaches that apply to your situation. We work with you throughout the year, not just when it’s time to prepare your return.

Do you want to find out how you can reduce your tax burden? You might be able to save on taxes by:

Restructuring your investment portfolio to produce a higher after-tax return; Shifting income to dependents in a lower tax bracket; Claiming appropriate home office deductions; Maximizing qualified plan and IRA contributions; Identifying all the deductions that apply to your small business.

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals. As personal income tax specialists, we will help you aggressively pursue every deduction you are lawfully entitled to. 

Would you worry less if you had more money to save toward your goals? Discover how much more money you could be keeping for yourself and your future. Contact us today for a no-cost review of your prior three years’ tax returns.

 

Our Team

Ryan Russell

Co-Founder & Designer

Nick DiMatteo

Co-Founder & Designer/Developer

Samantha Russell

Sales & Marketing

Blog

Contact

We’re excited to become a trusted partner and financial guide.
Contact us today to get started.

 

HOURS

Mon - Fri / 9am - 5pm EST 

EMAIL

hello@twentyoverten.com

Address

1600 Pennsylvania Ave NW
Washington, DC 20500

Phone

(980) 352-0103