Wealth Management
Whether you are already retired and looking for a predictable income, or are years away and wondering how to provide a secure financial future for you and your family, our Infinex Financial Consultants, located at Naugatuck Savings Bank, can help you evaluate your financial situation.
Retirement Planning
Our Financial Consultants will work with you to determine your individual retirement income needs and goals. We can help you understand your retirement plan choices, from employer sponsored 401(k) and 403(b) plans, to individual retirement accounts as well as Roth IRAs, or SEP and SIMPLE plans. We can help you calculate how much income you will need in retirement and decide how funds should be distributed to last for your lifetime.
Rollovers and Transfers
We can help you look at your investment choices and understand rules for rollovers and transfers. We can work with you to complete rollover and transfer paperwork for 401(k), Pension, 403(b), Profit Sharing and all other company sponsored plans.
Tax Management
Constant changes to tax laws¹ impact not only personal income and estate taxes, but also your investment strategies. We can explain how taxes work and review tax-deferred and tax-free options so you can keep more of what you earn. We can look at your current portfolio and help you evaluate the quality of your investments, tax savings, risk potential and expected rate of return.
Business Succession Planning
Whether you want to ensure that the business you built is seamlessly transferred to the next generation or a new owner, minimize gift and estate taxes or retire with an income source, we can help you identify your business succession objectives and find the plan that works best for you.
Estate Conservation
It is important to have an estate plan to manage and preserve your assets and to conserve and control distribution according to your goals and objectives after death. We can establish a plan or review your existing plan and determine if your current and future needs are being met.
College Planning
With the cost of college tuition steadily rising, it is important to start saving for college as soon as possible. We can explain college savings options and the tax advantages of 529 Plans², UTMA/UGMA Custodial Accounts and Coverdell Education Savings Accounts.
Long Term Care Insurance
Healthier lifestyles and medical advances have increased our life expectancy and may also mean a greater likelihood for needing nursing care later in life. Long Term Care Insurance can provide the funds needed to pay for a variety of services including those provided in your home, an assisted living setting or in a nursing facility. We can evaluate your situation and help you decide how to protect your assets and preserve your financial independence.
If you're thinking about your financial future, we can work with you to help you make sound decisions to achieve your financial goals. Call us today at 203.720.5378 or toll free at 866.803.0111 to schedule your free, personal consultation.
¹We do not offer tax advice. Consult your personal tax advisor for your particular situation.
²There may be tax advantages by investing in plans offered by your home state. Consult your tax advisor for more details.
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the bank are not affiliated. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.