Phil Calandra is a two-time author and is Partner and Regional Director with Apella Capital DBA Apella Wealth. The Apella team is dedicated to helping Americans find their road to success in retirement. While your financial well-being is our business, it’s the relationships we build that make this road both special and effective. As your full-service, financial planning team, we partner with you t
o develop a holistic plan for your entire financial life. It consists of five key components of retirement planning:
Income Planning - Do you how much money you’ll need in retirement? Are you planning to keep working? Answering these and many other questions is key for developing a comprehensive retirement plan. Investment Planning - Once your income plan is established, we will create an investment plan for the assets you do not need to draw on from month to month. This typically includes assessing your risk tolerance, adjusting your portfolio to reduce fees, establishing volatility monitoring, and minimizing longevity risk. Tax Planning - Your comprehensive retirement plan will include a strategy for potentially decreasing tax liabilities. We’ll establish if you can benefit from moving money into tax-deferred or tax-free accounts and determine which accounts you should draw income from first to help minimize your tax burden. Healthcare Planning - We will create a plan to help you address rising healthcare costs with minimal expenses. We’ll review your costs and coverage under Medicare Part A, B, and D, evaluate available Medicare Advantage coverage, and develop a plan for managing long-term care expenses. Legacy Planning - It is important to ensure that your assets go to your beneficiaries in the most tax-effective and least-painful manner. By working collaboratively with an estate planning attorney, we’ll create a plan that helps protect your assets and reduces the need for the probate process as much as possible. No matter what your ideal retirement looks like, we’ll have the right strategies in place to help you get clear on your goals, create your path to success, and navigate around the obstacles that can potentially cause delays so you can do more than just retire, you can retire with confidence in your financial future. Disclosure
We are not just another wealth management firm. Apella Capital, LLC is a boutique wealth management firm serving individuals, families, and small businesses.Apella Capital, LLC, DBA Apella Wealth is an investment advisory firm registered with the Securities and Exchange Commission. Our team of financial professionals is personally invested in preserving your capital, growing your wealth, and helping you to realize every dream. Committed to assisting investors achieve what they envision for tomorrow, Apella uniquely provides comprehensive investment solutions along with state-of-the-art digital resources to keep you connected and informed at all times. Disclosure: Apella Capital, LLC (“Apella”), is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered, or excluded or exempted from registration requirements. Apella provides this communication as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted. No one should assume that any discussion or information contained in this material serves as a receipt of, or as a substitute for, personalized investment advice. Apella does not approve or endorse any third party communications posted on this site and will not be liable for any such posts.
