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AM I ON TRACK FOR RETIREMENT?

If you've saved a penny for retirement, you're already ahead of 45% of babyboomers. (January 2015 Marketwatch)

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DO I HAVE FINANCIAL BALANCE?

Learn how you can balance your financial decisions between saving and investing for your future while also taking good care of your todays.

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ARE MY TAX STRATEGIES EFFECTIVE?

Yes, there's more you can do than defer into your 401(k) or IRAs. Contact us to learn more.

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WE WORK IN A VARIETY OF INDUSTRIES BUT SPECIALIZE IN THE FOLLOWING

The tech world is fast-moving and exciting! This presents unique challenges to those who work in it. Technology companies commonly use stock options and Employee Stock Ownership Plans as financial incentives to motivate employees. If the technology company has good fortunes and their market value increases, employees with stock options are often catapulted into, on one hand, a great financial situation, and on the other hand, a situation that creates the need for careful financial planning and strategic investment management.

With Utor’s experience, we are able to offer solutions that meet the specialized financial considerations and needs that face technology professionals looking for Financial Planning in Bothell, WA and surrounding areas.

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Between patient visits and conducting tests, it may feel like there is no time left for other aspects of life. This is especially true in the past few years, where rising healthcare costs have forced doctors to take on more patients to maintain the same level of income. Financial planning can eliminate some of the unknown when it comes to steps like growing your practice, planning for retirement and making investments.

Our services benefit:

  • Younger physicians –  handle student debt, build a strong financial foundation, and start investing appropriately.
  • Mid-career professionals – you can benefit from expert advice that helps you bridge the 8-10 year wealth accumulation gap, compared to other professionals, as a result of your delayed entry into the workforce.
  • Retiring physicians – benefit from planning strategies that optimize use of your assets, and minimize the estate tax bite.
  • Self-Employed Physicians or Small Physician Practices – For physicians who are self-employed or small-practice owners, we can help you maximize your retirement plan benefits and save on current taxes, while also benefiting your employees.

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For most people, practicing to become a dentist and for the opportunity to be self-employed takes a lot of hard work and planning. With this opportunity of building your own practice comes the responsibility of managing your personal and business finances. For a dentist just starting, we’ll start with a financial snapshot – a clear picture of exactly where you are today. For the dentists with experience under their belt, we’ll look for deficiencies in your existing business and financial plan.

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Managing your own business takes a lot more than hard work. You need a financial plan — one that addresses financial needs and products for every stage of your business life cycle and that takes into account your personal financial goals and dreams. We work with business owners to help them structure a plan that helps with:

Managing taxes
As your goals and financial situation change, there may be new opportunities to reduce your taxable income. We’ll help you find them. Retirement plans and other employee benefits The right retirement plan can provide tax benefits and help you attract and keep high-quality employees. We’ll help you find it.

Business succession planning
How will your business run when you are ready to leave? We’ll help you plan for a smooth transition.

Business protection
We can’t predict the future but we can protect it. Together, we’ll create a plan to help guard against financial losses resulting from employee departures, disabilities or other surprise disruptions.

Whatever your financial priorities are as a business owner, Utor Wealth advisors are trained to build a comprehensive financial plan that can help synchronize your personal and professional financial goals.

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PROCESS | TOOLS | EXECUTION

Whether you want to join us in our office in heart of Bothell, Washington or meet us online, you will always receive our full commitment to making your financial future a success. We strive to build a firm that is competent in helping you understand some of the tricky parts of the financial planning process while keeping you up-to-date on current economic developments.

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WE CAN RELATE
It’s pretty simple: We know what it’s like to feel overwhelmed when planning future finances, tackling insurance issues, or making retirement decisions because we all do it in our personal lives. What makes us different is that each one of our team members has a unique story that specifically led them into this industry. From finding out the hard way to growing a passion in helping others from past experiences, we’ve found an organic and clear approach to strategizing a path forward or cleaning up the past.

We can’t predict your financial future but, we can relate, and make it little more clear.

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UTOR Wealth is an Agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 7 Hanover Square, New York, NT 10004, 888-600-4667, PAS is an indirect, wholly-owned subsidiary of Guardian. UTOR Wealth is not an affiliate or subsidiary of PAS or Guardian. Check the background of this firm on FINRA’s BrokerCheck.

This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.  2018-56673 exp. 1/20