FREE Financial Education

Free Financial Education 2018-04-04T11:58:51+00:00

Client First provides courses and workshops to provide the latest information and strategies on all the elements of the integrated plan. Feel free to attend one of our upcoming events with friends and loved ones. Here are the topics we cover:

  • Quarterly and Annual Global Stock Market Insights 
  • Understanding CyberFraud & Protecting Your Identity
  • Retirement Bucket Planning Process
  • Best Practices of RMD’s + IRA’s
  • Myths of Estate Planning
  • Top Tax Law Changes, Tax Mistakes and How To Avoid Them
  • Understanding Your Auto & Home Insurance Policies
  • Optimizing Your Social Security Benefits
  • ABCs of Your Medicare Supplement & Medicare Advantage Plans

Financial education is a process. You’ve spent your whole life working hard to build your nest egg and now it’s time to create a plan utilizing your investments, available assets, social security and pension (if you have one) income, to generate income throughout your retirement. Financial education with Client First is a great place to stay up to date on the latest in all aspect of your financial life. Financial consultation from Client First  is the right choice for establishing and implementing your retirement income plan. It’s never too late or too early to start learning and planning for your future. Below are common topics frequently asked by individuals just like you.

Design a Holistic Retirement Plan with Certified Financial Planners

We know everyone is different. Client First provides custom advice and income strategies. Your Certified Financial Planner ™ at Client First will work closely with you to examine your options and help you decide the best practices for ensuring financial comfort and stability throughout your retirement. Client First uses 3 proprietary processes;  Holistic Planning Process ™ , the Bucket Planning Process ™ , and the Adaptiv Investment Management ™ System. to help design your retirement income plan.

We committed to working with our clients to help ensure that you will have enough money to support your retirement lifestyle and protect your retirement income from inflation. Our focus is to help you have the income you need in retirement through implementing your income plan. We are your fiduciary.

Social Security Income for Retirees

Social security benefits are a crucial aspect to your long-term tax and financial planning. You are eligible for social security income when you retire, if you currently are or become disabled, and your family may be eligible for benefits when you die.

There are many factors which determine the right time to take social security benefits like age, financial stability, and how you plan to live after retirement. Obtaining social security benefits at a later age increases the amount of money in your monthly social security checks. Professional financial advisors at Client First will help you decide the right time to take social security benefits by evaluating a variety of factors and working with you to make the best decision.

Custom Retirement Planning

Our Certified Financial Planners ™ have helped numerous clients from all walks of life figure out the ideal age to begin receiving social security benefits. We provide all our customers with comprehensive social security investment plans to best fit their needs. Our professional advisers help you decide when you should stop working and when to apply for benefits based on your retirement resources. Make an appointment with a Certified Financial Planner today!

We will find which distribution strategy will work best for you and your lifestyle. Our registered investment advisers will even assist with rolling your 401(k) or other retirement plans in to an IRA and designing an income stream for you.

Traditional IRA vs Roth IRA: What’s the Difference?

Determine which IRA is best for Your Retirement Plan

Contributing to a traditional IRA or a Roth IRA is an excellent investment decision. However, there are slight differences between the two, which should be addressed before making an investment decision. First, let’s review what an IRA is. IRA Stands for individual retirement account, which allows you to save for retirement in a tax-beneficial way. You can set up an IRA through any financial institution. The differences between the two, is the Traditional IRA is tax deferred, while the Roth IRA provides tax-free growth. Both Traditional and Roth IRA’s allow you to begin taking out your money penalty-free at the age of 59 ½.

Why Invest in an IRA? Isn’t a 401k Enough?

IRA’s are a great way for people whose employers do not offer a 401k plan to save for retirement. It’s also a great investment even if you already have a 401k started. It’s estimated you will need approximately 80-85% of your pre-retirement income to sustain your current quality of life once you retire. Sometimes an employer-sponsored retirement plan, such as the 401k, does not provide adequate savings for retirement. For this reason, it’s wise to invest in both your 401k (if offered) and an IRA.

Traditional IRA

If you choose to invest in a Traditional IRA, you will be making tax deductible money contributions, lowering your taxable income. This can potentially qualify you for other tax incentives you wouldn’t otherwise be eligible to receive. Any earnings in your IRA can grow tax-deferred until you withdraw them upon your retirement. Since many people tend to be in a lower tax bracket when they retire, when the money is withdrawn, it’s taxed at a lower rate.

If you withdraw early from a traditional IRA, there is a 10% early-withdrawal penalty. However, if it’s for qualified first-time homebuyer expenses the penalty is waived. Another consideration with a Traditional IRA – once you reach the age of 70 ½, you are required to take out the minimum distributions, even if you don’t need the money at the time. A Traditional IRA is not recommended for transferring wealth to beneficiaries because of this reason.

Roth IRA

If you decide to invest in the Roth IRA option, this means you will be contributing money which has already been taxed. This allows your money to grow tax-free and will not be taxed upon withdrawal. This is appealing to some, since it’s impossible to predict what tax rates may be in 40 years.

With a Roth IRA, your money can be withdrawn at any time without a penalty, even before the age of 59 ½. You can choose to keep your money in the Roth IRA so it continues to grow tax-free throughout your lifetime. This is an attractive option for people planning to pass wealth on to beneficiaries. However, a Roth IRA does require contributions for five years before it can be withdrawn. There are also specific contribution requirements with a Roth IRA. As of 2014, to contribute to a Roth IRA a single tax filer must have a gross income of less than $129,000. Married couples must have a combined income of less than $191,000. Whereas in the Traditional IRA, it doesn’t matter what your income is. Please note, these numbers are likely to change as the economy and tax laws change.

Invest in your Future with Client First Tax & Wealth Advisors

No matter which investment option you choose, the team of Certified Financial Planners at Client First are here to help. We pride ourselves on helping people from all walks of life make solid investment choices for their future. We always put our clients first, providing custom advice and retirement strategies.


Let’s work together! When you work with Client First as your independent fiduciary advisor, you’ll see your entire financial picture in one place with one team.