Mountain Financial

Mountain Financial It’s not the rate of return or where your money is that matters, but rather how your money works f

01/04/2018

Did you know this year is the 20th anniverary of the Roth IRA?!?! If you think you cannot contribute to a Roth due to income, you may most likely be mistaken... Call us to find out more! 888-442-5558

12/20/2017

1. Always have enough predictable income at retirement so you can insure your monies last as long as you do.
2. Always start with avoiding threats and fulfilling obligations before you seek opportunities with your money.
3. Always look for ways to reduce your taxes because taxes are the biggest drain on your cash flow.
4. Always remember, our lives are governed by cash flow not accumulation of assets.
5. Always develop a retirement plan that works in all market conditions.
6. Always get a line of credit on your house when you don't need it and no natural disasters are pending. The financial institution may not extend a line of credit when you need it, or if a looming storm or fire is pending.
7. Always remember it is as important to manage your liabilities as it is to manage your assets.
8. Always know prepaying your mortgage in a lump sum each month does not lower your monthly mortgage payment. Prepaying the mortgage benefits the lender not the borrower.
9. Always keep in mind the market and an individual buyer determines the value of your house. Your mortgage, or lack of it, has nothing to do with its value. The value of your house does not increase faster as a result of not having a mortgage on it.

10/04/2017

What are your thoughts on the proposed tax reform?

Business Taxes: 20% C Rate; 25% pass-through rate
o Full immediate expensing for at least five years
o Partial elimination of deduction for net interest for C corporations
(no specific figure or further details)
o Elimination of Section 199 domestic manufacturing credit
• Territorial System for International Taxation:
o One-time repatriation of foreign profits
o Going forward: 100% exemption for dividends of foreign
subsidiaries
• Individual Taxes: From 7 brackets to 3: 35%, 25%, and 12%
o Doubles standard deduction
o Notes the potential of an “additional top rate” to ensure the
wealthy continue to pay their fair share
o Deductions and Tax Expenditures: Specifically keeps mortgage
interest and charitable deductions, also will “retain tax incentives”
for retirement, work, and higher education; noting their
importance, recommending their simplification, and laying out the
goal of maintaining or raising retirement plan participation.
o Eliminates the State and Local Tax deduction
o Repeals the estate and generation-skipping transfer taxes
• Repeals AMT; both corporate and individual

01/20/2017

Knowledge is not power—applied knowledge is the real power. It is important for your advisor to take the knowledge he has accumulated and apply it to your specific situation. Many advisors are trained by the financial institutions they represent, and it could be their only source of education. If your income is uncommon, then it is important to use uncommon strategies that meet your needs. Product selection only comes into play after strategies are discussed.

Contact Mountain Financial at [email protected] or 720-506-5800 to learn more!

12/19/2016

Are you turning 65 in the near future? It is important to know the ins and outs of Medicare so you can rule it instead of it ruling you. There is no coordinated government communications program to let people know about their Medicare options and responsibilities. Seek advice from someone who is independent and not an employee of an insurance company. They can guide you through the maze of confusion and help you make an educated decision on the best course of action.

Contact Mountain Financial at 720.506.5800 or [email protected] to learn more!

09/29/2016

Do you think the Social Security rules are complicated? The Bi-Partisan Budget Act of 2015 made it more difficult to pick the best strategy. The Social Security handbook has over 2,700 rules. Explanations of the rules are found in the Program Operating Manual System (POMS). Social Security employees are prohibited from giving you advice about when to take Social Security. They can only let you know the amount of your benefits. Get with an advisor who has the tools to help you decide your best strategy for receiving benefits.

Contact Mountain Financial at 720.506.5800 or [email protected] to learn more!

09/19/2016

There are two ways to increase your existing pot of money. You can find other products with apparent higher rates of return. This is usually the most commonly perceived way of increasing your wealth. This involves taking on additional risk. Risk is associated with potential loss. The second, more uncommon method, is to make your money more efficient. This does not involve risk, but requires a good understanding of wealth transfers. Wealth transfers occur in three forms—protection, expenses and taxes.

Contact Mountain Financial at 720.506.5800 or at [email protected] to begin a discussion.

September is Life Insurance awareness month. It was designed as a method for handling financial risk in the event of pre...
09/13/2016

September is Life Insurance awareness month. It was designed as a method for handling financial risk in the event of premature death. Keep in mind all deaths are premature regardless of one’s age. Permanent Life Insurance is designed to be in force when the event occurs. Term Life Insurance, on the other hand, only pays if death occurs while the policy is in force. Life Insurance companies will only offer term insurance if they believe the insured will outlive the term of the policy. They collect premiums without paying a claim. Which policy do you think is important to own?

To learn more contact Mountain Financial at 720.506.5800 or [email protected]

07/06/2016

Most people are taught to believe that they'll be in a lower tax bracket when they retire.

What if that turns out not to be true?

Address

1720 S. Bellaire Street Suite 1208
Denver, CO
80222

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+17205065800

Website

http://linkedin.com/company/mountain-financial-llc, http://google.com/+MountainFinancialLLCDen

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