Managing wealth is a dynamic process. It seems that the more money you have, the more complex the planning gets. Garden State Securities, Inc. will help you understand the complexities of managing wealth and work side-by-side with you to provide a simplified, integrated solution.

Whether you're in, nearing, or decades away from retirement, you face an increasingly complex challenge—planning for income to last throughout your lifetime. This leads to a basic question: How much can you withdraw from your retirement nest egg annually so that you will not face the risk of running out of money? Our retirement planning process will help you:

• Understand where you are today and the direction in which your retirement is headed.
• Help to Identify weaknesses in your current plan and determine if there are better solutions available in today’s marketplace
• Develop a plan to withdraw retirement money over an uncertain time frame
• Analyze the effects that different economic scenarios will have on your retirement strategy
• Vary key assumptions such as investment returns, health, lifespan, inflation, taxation, etc. to gauge the degree of flexibility needed in your retirement plan

From simple mortgage protection to complex buy-sell agreements, Garden State Securities, Inc.’s can help coordinate all of your life and health insurance needs. Our independent model allows us to shoparound for the best quotes for our clients from some of the highest rated carriers in the insurance industry. We currently have access to more than forty top rated insurance companies, such as MassMutual, AIG, Prudential, and ING. Can your current advisor say that? In addition to traditional insurance services, we also provide:

• Actuarial Analyses
• Charitable Gift Annuities, Charitable Remainder Trusts
• Charitable Giving/Planning Programs
• IRA Distribution Programs,
• Life Insurance Premium Financing
• Life Settlements
• Trust Planning/ Services
• Estate Planning

Many people believe that estate planning is only for the wealthy. Others think that they are too young to consider estate planning.

But the reality is that almost everyone can benefit from a good estate plan. Who will take care of your children if something happens to you? Who will take care of your affairs if you are incapacitated? Will your heirs have enough liquid assets to pay the estate tax liability by the IRS due date?

Our goal is to educate you on the basics of estate planning, help you identify any estate tax exposures that may exist in your current plan, and provide suggestions to help minimize or even eliminate the impact of estate taxes.

With the costs of education soaring over the past twenty years, education has become one of our clients’ top planning considerations. While Section 529 college savings plans have many benefits, not all are created equal. We will help you choose the right plan for your specific situation, including an analysis that determines if your home state’s tax benefits outweigh the advantages of out-of-state plans. We’ll also help you budget your savings plan so that when your children are ready for college, you’ll be confident that the money will be there for them.

Since many of our clients own small to mid-size businesses, it is only logical that we developed a division that focuses on the needs of our business customers.

You can have confidence that you are receiving what we believe to be the highest quality financial advice at Garden State Securities. Among the various credentials held by our advisory staff are these specialized designations:

*Garden State Securities does not render tax advice. You should consult with your tax professional for more information.

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