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Financial & Retirement

VMAC Financial Group Inc. provides a wide range of services to individuals and businesses in a variety of industries. At VMAC Financial Group Inc., we strive to meet each client's specific needs in planning for the future and achieving their goals in an ever-changing financial and regulatory environment.

Our professional services include:


Retirement Planning

People entering retirement are facing new concerns. As healthcare is improving and life expectancies rise, you are likely to live longer during retirement than past generations. Unlike your parents who likely had their retirement funded mostly with guarantees made by their employers and the government, the assets you have accumulated may be your primary source of cash flow. I can partner with you to create a plan considering the level of assets needed to fund your vision of retirement including likely income needs, potential tax implications and risks that can stand in the way of realizing your vision.

Education Planning

Funding your child's education may be one of the most important expenses you will face. A college education can greatly increase your child's earning potential over a lifetime. However, the longer you delay starting a college savings plan, the more money you may have to save. Although the most important considerations in choosing a college program are educational, there are financial ones as well. With my help, you and your family can help understand the costs of a college education and evaluate ways to help you start saving today.

Legacy Planning

A legacy plan ensures that what you want to happen will happen at the time of your passing. Without a good plan, the government may be in a position of dividing your assets between members of your family and may not make the same decisions you would. Also, your family may be forced to give up a substantial portion of their inheritance to taxes, causing significant financial burden during an emotionally devastating time. I can help you create a plan that minimizes the estate taxes that may be incurred and maximizing the amount of money going to your family so they don’t have to guess what you would have wanted.

Cash Flow and Debt Management

Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management.

Family Risk Management

Even the best investment plans can crumble if you have not properly prepared for the unexpected - risks that exist for every family such as disability, death, or a long-term-care need. I can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. I will make suggestions that not only address your risk management needs but also consider the tax implication of these changes.

Business Planning

As a business owner, you likely face daily challenges such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for your and possibly your employees’ retirement, and protecting your business from a potentially devastating financial loss. I can help you evaluate and implement strategies that not only protect your business, but also take advantage of opportunities that could improve the cash flow, tax situation, benefits, and bottom line of your business.


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