巡航 & 联营公司是一家综合性澳门马会资料公司. 我们提供从澳门马会资料到财产规划的各种服务. We are committed to building long term relationships with our clients while helping them navigate and manage all the unexpected changes that life, 经济也会对我们造成冲击.

罗伯特•克鲁斯拥有丰富的澳门马会资料经验, when you combine that knowledge with our knowledge in the income 税 and 会计 laws. Our goal is to provide you with a personalized financial strategy that can provide potential 税 benefits.

我们的澳门马会资料部门与广泛而多样化的客户群体合作, 个人和企业. 请参阅以下我们提供的服务列表.

你的投资组合，无论大小，都对你的财务成功至关重要. 你的利益是否在资产保全方面, 资产积累, 或收入策略, 我们将制定一个全面的计划，帮助你们实现目标.

罗伯特F. 巡航 will design a plan that will help direct you from your current financial situation, 为了你的人生目标.  我们都知道, 生活中唯一确定的事情就是改变, 所以我们提供定期检查, 如果必要的, 是否会建议对你的投资组合进行更改，以确保你的计划保持正轨.

美国人的退休年龄比以往任何时候都要长, 而且这一趋势还将继续增长.  A sound retirement begins with a well thought out plan to make sure you don’t out live your assets.  罗伯特F. 巡航 will help you create realistic goals for you to maintain or enhance your current lifestyle.

你的个人退休账户(IRA)或401(k)账户已经翻了，装死了吗?  罗伯特F. 克鲁斯知道爱尔兰共和军的所有底细, 爱尔兰共和军滚动, 他会解释每个方案的利弊.

Just as many people between ages of 30 and 50 lack a will, many also lack 人寿保险.  A March 2011 survey from Genworth Financial and the University of Virginia’s Daren School of Business found that almost 70% of single parents and 45% of married couples were living without any coverage.

为什么没有更多的年轻人购买人寿保险?  购买人寿保险可能看起来混乱、无聊或不必要.  但是当你有了孩子, 结婚, 买个房子，或者过一种靠高薪养活的生活, 需要.

我们只根据需要来看待人寿保险，而不是把它当作一种投资.  So when the need is there, we will recommend the proper death benefit and type of 人寿保险. Some common needs include paying off a mortgage on a house or income replacement if one spouse would pass away.

Please keep in mind the primary reason to purchase a 人寿保险 product is the death benefit. 人寿保险产品包含费用, 比如死亡率和费用的变化, 可能包含限制条件, 例如交回期限.

随着医疗法规的不断变化, 《澳门马会资料》(奥巴马医改)的实施, 所有美国人现在都必须考虑他们的医疗保险选择.  我们都知道, 没有健康保险将在你的所得税申报单上产生罚款, in addition for those that are under the 400% poverty level the government will be giving subsidies to help people pay the premiums.

我们来这里是为了帮助通过这一复杂的法律.   我们会和你一起讨论你的选择, let you know what your costs are and help with all the paperwork to make sure you are in full compliance with the law.

At age 65, you should apply for Medicare Benefits, even if you are covered by a group health plan. 大多数健康保险计划都会假设你会这么做.  You can apply for original Medicare (Part A and B) at age 65 even if you haven’t retired.  Part A (hospital insurance) is free for all insured Americans, even those who have health coverage.  B部分(医疗保险)支付医生的服务费用, 门诊和其他杂项医疗服务.

接下来，你应该申请医疗保险补充保险. These policies cover the costs and expenses that are not covered by Medicare and are very inexpensive.

因为我们都努力建立一个舒适的退休生活, 我们已经用401(k)计划存了钱, 传统的爱尔兰共和军, 罗斯IRA的, 在我们的房子里建立权益, 等.  随着我们步入退休年龄, 重要的是要知道你的积蓄是不会用完的.  所以，你需要保护所有这些资产不受长期护理的高成本的影响.  This includes home health care, assisted living, and or traditional nursing home care.  法律要求一个人或一对夫妇耗尽他们的大部分资产(如果不是全部的话), 包括你的房屋权益, 在医疗保险生效前支付这些费用.

Long-term care insurance is one of many strategies our professionals use in protecting our clients life time savings.  Others might include, but not limited to, life estates, gifting programs, trusts, 等.

你有房产，每个人都有.  不管它有多有限, 或者是无限的, 你的方法可能是, 不管你是拥有豪宅还是房车，你都需要遗产规划.

无论贫富，你死后都会留下一笔遗产.  对一些人来说，这可能意味着房地产、现金和投资组合. 对其他人来说，它可能是你钱包里的一张10美元钞票，在任何情况下，你都有一处房产.

当然，不规划你的财产就死去是绝对可能的, 我不认为那是明智的.  如果你不留下遗产计划的话, 你的家庭可能会面临重大的法律问题和激烈的纠纷.  我们觉得每个人都应该做一些遗产规划. 这可能包括遗嘱和信托, 人寿保险, 一个生活, 律师在金融和医疗保健等方面的权力.

今天就澳门特马资料的办公室以了解更多信息.

与克鲁斯改善您的企业退休计划 & 的同事. We will design a business retirement package that has certain 税 advantages and can potentially increase your retirement savings dollars.

401(k) plans are for any business owner that wants to put the most retirement dollars to work for them.  目前, the 国税局 has pre-approved six different types of 401(k) plans; these include plans for the one person business up to a business with thousands of employees.  We will review your situation and assist with the selection and evaluation of  various service providers to plan in a cost effective manner. 这些计划的费用可能比你想象的要少得多.

高管递延薪酬计划分为三类.  第一个, they may be well suited for the high income business owner who wants to defer 税es on more than is allowed under a 401(k).  第二个, they are perfect when a business owner has a key employee he or she would like to keep around; sometimes these plans are called “Golden Handcuff” plans.  最后, these programs are an ideal way to extract excess cash that has built up inside a C-Corporation.

随着医疗法规的不断变化, all business owners must now look at their legal requirements and health insurance benefits.  There are many requirements and decisions that need to be made for both businesses with less than 50 employees and for those with more than 50 employees.

巡航 & 员工对所得税有广泛的了解, 工资税和医疗保健法律, so we can give our business owners the information they need to make sound business decisions.

A nice and not very expensive benefit that most business could provide to their employees is a Section 125 Cafeteria Plan.  这些计划允许雇员自掏腰包支付医疗费用, 自付医疗保险, 自费的护理费用都是税前的.  对雇主来说，我们的系统只需要很少的工作. 管理该计划的成本可以低至每年几百美元, 你的员工得到了宝贵的福利.

We find a lot of clients have a big misconception when it comes to business succession planning.  They think this only needs to be done when they decide to retire and pass the business onto a family member. Business succession planning should be done as soon as the business has passed the startup phase and has become a significant personal asset.

“为什么?你可能会问.  Business succession planning has more to do with preserving that asset if the owner was no longer capable of working anymore.

Questions to consider are: Would the business owner lose a major asset if the business would close?  会不会所有在你身边工作多年的忠诚员工都失业了?  如果生意的收入结束了，你的家庭生活方式会改变吗?  这些都是我们每天都要面对的问题, 我们可以帮助回答这些问题，并设计一个适合你的计划.

*服务由罗伯特F. 通过H巡航. 贝克公司.

投资是有风险的，包括可能会损失本金. Investments will fluctuate and maybe worth more or less than when originally purchased.

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本文所包含的信息不构成法律依据, 会计, 税, 投资, 澳门特马资料或其他专业意见或服务. For specific information that applies to your circumstances you should consult a qualified 税 advisor. 根据美国国税局第230号通告披露, 并确保遵守美国政府的规定.S. 国内收入署, we inform you that any 税 advice contained in this article was not intended or written to be used, 不能使用, 任何纳税人为(1)避免根据美国法律规定的与税收有关的罚款而采取的任何行动.S. 国内税收法典或(2)推广, 市场营销, 或者向另一方建议其处理的与税收有关的事项.