INDIVIDUALS

YOU'RE AN INDEPENDENT THINKER. WELCOME TO YOUR INVESTMENT PARADISE.

You know that real investing isn’t a game or a gamble, it’s a skill and a profession. You expect your money manager to challenge you, speak to you like an equal, help you grow and learn. We serve our clients with transparency, integrity and wise counsel. If this is the relationship you’ve been looking for, let’s start the conversation.

LET'S GET STARTED

Do what’s best for the client.  Everything else will take care of itself.

Ron Muhlenkamp

Founder and Chairman of the Board

RETIREMENT PLANNING

Retirement may be a distant goal or an imminent reality. Wherever you find yourself on this journey, it’s crucial to plan ahead. Knowing how your money will serve you and your loved ones into the future will help you prioritize your time, spend money more wisely, and bring peace to your family.

Consider this when Retirement Planning:

1 – Knowledge is Power. If you put in time to learn your options, you can improve your financial health and retirement security. Don’t sit back and wait to win the lottery, or wish that Uncle Bert remembers you in his will.

2 – Walk Before You Run.  Investing in your retirement is like running a marathon. It’s a long journey, and pacing yourself is key. Start strong and steady, and you’ll win the race.  If you are 50+ and haven’t started saving for retirement, you have some running to do! But no matter your age, we can help you get there.

3 – Don’t Give up Your Day Job. Until you are really ready. Giving up your career will often mean giving up valuable benefits like health insurance.  And if you’ve already retired, you may find yourself missing the challenge.  It’s harder to find a comparable job with the same salary at an older age. 

Muhlenkamp is forging a better way.  Contact Us today to start retirement planning.

 

SAVING FOR EDUCATION

How do you balance contributing to a retirement fund and a child’s education fund? Are you taking full advantage of all the tax benefits? When should you start saving? And how much should you put in? We are experts at helping our customers find the perfect balance, tailored for them.

Consider this when Saving for Education:

1 – College is expensive.  Some tuitions cost well into six figures.  The financial burden can seem overwhelming, but we are here to provide ideas and new ways of thinking about the future.

2 – Anyone can contribute to a 529 plan. Did you know there is no maximum contribution limit? However, there are tax laws on gifts. The new amount on tax exemptions for gifts is $15,000 per person, per child. This is not the limit for 529 plans alone, it is the overall limit. If one were to contribute $15,000 to their child’s 529 plan, they would be maxing out how much they can give as a gift to that child throughout the year.

3 – What’s the Priority? Starting a college fund shouldn’t be the only goal. There are numerous financial priorities like paying off your mortgage, your credit card bill, or possibly your own student loan debt. 

At Muhlenkamp, we are all about setting your own money goals, especially when it comes to saving. 

ESTATE PLANNING

Having a solid plan for your assets is one of the best ways to ensure your loved ones have the support they need long after you’re gone. A good plan eliminates conflict, brings family together, and protects those most vulnerable against uncertainty. We gently and expertly guide families through the many facets of estate planning.

Consider this when Estate Planning

1 – Estate plans are often neglected.  It’s easy to delay answering uncomfortable questions such as “What happens to my house, business and my loved ones when I die?” So it’s no surprise that roughly half of Americans don’t have a will, and even fewer have an estate plan.  

2 – Who is left in charge of your estate? If your dependents/children aren’t old enough or mature enough to handle a large inheritance, an estate plan can address this by making provisions through a trust.  

3 – Probate Concerns?* Another good reason to have an estate plan is to minimize the probate process and its expenses, delays, and loss of privacy. Among the concerns with probate are:

Loss of privacy: Anyone can access information from the probate court. For example, relatives and creditors could get your probate records to challenge your will.

Expense: Probate fees can be quite substantial, even for the most basic case not involving any conflict. Attorney’s fees and court costs may possibly take up to 5% of an estate’s value.

Delays: The average uncontested probate may possibly take longer than a year. With proper planning, these delays and costs, and the loss of privacy, can often be avoided. 

*Source: https://www.fidelity.com/