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Financial Planning

    • Rebuilding a sustainable spending plan after income or expenses change.

    • Understanding survivor benefits, pension options, or Social Security income.

    • Setting aside emergency reserves for peace of mind.

    • Aligning inherited investments with the client’s risk tolerance and goals.

    • Rebalancing portfolios after major life changes.

    • Teaching heirs the basics of managing money they may never have handled before.

    • Handling step-up in basis for inherited assets.

    • Understanding RMDs (Required Minimum Distributions) from inherited IRAs.

    • Exploring Roth conversions, charitable giving, and estate tax strategies.

    • Updating wills, trusts, and beneficiary designations.

    • Protecting inherited assets for future generations.

    • Ensuring the client’s own wishes are documented to ease the burden on heirs.

    • Reviewing life, health, disability, and long-term care coverage.

    • Identifying gaps that could leave survivors vulnerable.

    • Evaluating annuities, income guarantees, or other protective strategies.

Reminiscing

Beneficiary Wealth Management is a DBA of Unity Financial Planning Group LLC (“UFPG”), a state registered investment adviser. UFPG may only transact business in those jurisdictions in which it is registered or qualifies for an exemption or exclusion from registration requirements. UFPG’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of UFPG’s web site on the Internet should not be construed by any consumer and/or prospective client as UFPG’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by UFPG with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of UFPG , visit https://brokercheck.finra.org  

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This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.

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