Our Services

While developing a customized financial program, we may walk you through a step-by-step financial planning process that can help make you feel confident in your financial decisions.

Once your goals have been established, we may customize appropriate strategies to suit your vision, capabilities, and objectives. We can help you execute a sound financial program utilizing the following products and services:

 

 

  • Financial Planning
  • Investments
  • Retirement Strategies* 
  • Estate Planning***
  • Insurance and annuities**
  • Money Market accounts
  • 529 college plans

 

Please feel free to visit Linda's YouTube channel to watch her explain the Tax Triangle and how it can benefit you. 

** Fixed Annuities are long-term insurance contracts, and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

***L. Lovie Wealth Management does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstances. FYI: It appears that the tax/legal and fixed annuity disclosures are needed on multiple pages

****“529 College plans” to the following disclosure: A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional. Non-qualifying distribution earnings prior to 2024 are taxable and subject to a 10% tax penalty. Beginning in 2024, unused 529 plan funds may be rolled into a Roth IRA assuming the following conditions are met: 1) must have owned the 529 plan for 15 years, 2) can only convert funds that have been in the 529 plan for at least 5 years, 3) rollover amount cannot exceed $35,000 and 4) rollovers must be made to a beneficiaries Roth IRA.