Do you have enough?

We work with clients at all stages of their financial lives:

• Boomers who want to plan for future goals and opportunities
• Families who want to plan ahead for savings, college and retirement
• Seniors who need assistance with retirement income planning
• Family businesses with wealth management and succession planning concerns
• Special retirement programs for key individuals
• Those with substantial wealth and those who are philanthropic, working with their advisors to provide a range of financial strategies

Pre-Retirement and Post-Retirement
Planning

The number one financial fear of most clients is that they will outlive their money. They don't have a successful strategy to manage their retirement accounts tax efficiently. Our goal is to develop and implement strategies to make retirement a time without financial stress.

We look at these important questions: How much money you will need at retirement What distributions you should take and when How to minimize tax consequences How to handle real estate assets What about charitable giving

The list goes on. But by working with our seasoned team, the process is clear, the questions are determined in advance and we figure out a path that works best for each client's situation. Through the Griessel Tiffany Group's strategies, the team can help you learn how to:

• Increase your IRA or pension income
• Increase the inheritance value of your annuity
• Use different life insurance products to maximize wealth options
• Substantially reduce your estate taxes

Using Real Estate

We find that many people, especially in the expensive Bay Area, are real estate rich and cash poor—not always the best situation. At Griessel Tiffany Group we look at the distribution of wealth to see if we can find ways to shift the balance.

We can:

• Find cash for college
• Help you manage your equity in rental property more effectively and how to use property to leverage other income- producing investments

To check out what important financial questions you need to consider, please take a look at our questionnaire.

With every client we address the following key issues:

Do you have a living trust? Who needs one and why?

Do you have the right type and right amount of life insurance? Estate preservation life insurance?

Have you refinanced your life insurance during the last year? We look at all types of life insurance plans and policies and evaluate what you need and why. We look for opportunities to save money on insurance or increase coverage for the same rate.

Are your IRA's managed and properly rolled over? Do you have retirement money in CDs or stocks? What's the average rate of return? Are you meeting and beating the rate of inflation?

We find many people have several retirement accounts languishing with no clear investment strategy.

Have you thought about other family members for whom you may have responsibility in the future? And do you plan to leave money for your heirs?

Frequently families have to take care of aging parents, siblings or other relatives and have not planned for such an eventuality. We make sure our clients have addressed this issue.

Financial Opportunities

At the Griessel Tiffany Group we have experts in all aspects of finance and insurance. Our years of experience have allowed us to develop a philosophy of money management which is both efficient and effective. Our strategies can help you to:

• Use investment alternative methods to increase your income and wealth transfer
• Optimize Municipal bond yields substantially and leave more money to your heirs
• Discount your estate tax cost and increase your family's inheritance on an income tax free basis
• Avoid capital gains tax by implementing Charitable Remainder Trust on highly appreciated assets

If these topics are interesting to you, you may find our questionnaire thought provoking.

Click here to check it out.