AN EFFECTIVE PLAN IS CLEAR AND ACTIONABLE
OUR FINANCIAL PLAN ADDRESSES EVERY ASPECT OF YOUR FINANCIAL LIFE AND CLEARLY DEFINES YOUR PATH TO SUCCESS
FINANCIAL PLANNING
Financial planning is the foundation of your financial success. It all begins here.
We help you explore your lifestyle goals and dreams and provide you with a plan to meet them.
We help you to understand your financial strengths and weaknesses by creating income and expense documents, so you have a clear understanding of your cash flow.
Your cash flow is the key to wealth financial independence. We show you how to save by helping you align your present choices and future lifestyle with your desired financial success. It’s not always easy, but it is certainly possible.
We help you prioritize and make the right decisions, keeping in mind your values and what is important to you.
RETIREMENT PLANNING
Retirement is not an event. It’s a phase in life.
We help you understand your retirement plans, options, pensions and other retirement savings. We help you prioritize and then we analyze multiple outcomes to create the most tax efficient strategy to meet your goals.
Through our advanced planning process we analyze your current and future finances – assets, income, expenses, and help you get on track to where you need to be.
The process will help us to determine the best use of your financial resources.
We help you make your retirement plan decisions and help you to maximize your savings.
ESTATE PLANNING
We help you plan to meet your personal and family needs by reviewing your existing documents and agreements.
We help you understand the roles of your trustees and executors and beneficiaries. We make sure your plan aligns with your personal wishes in life as well as your wishes for your legacy.
We help you create an efficient transfer of wealth by identifying the impact of current asset ownership, and ensuring your assets are titled as detailed in legal documents.
We advise you on charitable and gifting strategies, helping you meet your legacy wishes
INVESTMENT MANAGEMENT
Your investment strategy is essential to meeting your financial goals. Remaining invested during market fluctuations can be difficult if your portfolio is not aligned with your psychological risk tolerance.
We help you overcome this ‘behavior gap’ by integrating your risk tolerance with your short, medium, and longer term goals.
Our portfolios are well-diversified using low cost and no-load investments. Our preferred investment choices for our portfolios are low-cost mutual funds, exchange traded funds, and individual bonds, as appropriate.
We are fee-only; we do not receive commissions from the investments we select for you
LIFE TRANSITIONS
Unexpected financial changes due to divorce or death of a loved one can create a block in your life, preventing you from moving forward.
Life changes require meaningful conversations and thoughtful actions to help you plan for the new normal in your life.
Unexpected wealth requires a carefully planned strategy to ensure the assets are allocated to meet your current goals and invested for your long-term objectives.
We act as your thinking partner and your guide to help prepare you to take action. As you progress through each step, we will guide you in all aspects that affect your financial life and your new life.
We assist in creating a team of specialists to assess, guide and implement recommendations to create peace of mind.
TAX PLANNING
Your tax return is your financial x-ray; it provides insight into your financial life.
We review two years of tax returns to help us recommend tax efficient strategies going forward. We work with you and your accountants and help you to prepare your tax documents.
We evaluate the tax impact of financial life decisions such as asset sales, gifts, and transfers. We then recommend resourceful strategies which consider both current and future tax implications.
While an “unusually uncertain” economic outlook creates significant challenges in planning for financial security for our clients, it also provides opportunities to implement tax-advantaged investment strategies that may mitigate risk and/or enhance after-tax returns. Such proven products and services which Riptide Financial supports include:
- LRP Plus
- Defined Benefit Plans
- Captive Insurance Compensation
- SEPs
- Roth IRAs
- Annuities & Life Insurance
- Guaranteed Retirement Plans
- Legacy Planning
Contact Us
Have a question? Send us a message, call 407 337-2145 or book an appoinment via the link.
Contact Us
Contact Information
1942 W CR 419 #1030
Oviedo, FL 32766
407 337-2145
steve@riptidefinancial.com
Business Hours
- Mon - Fri
- -
- Saturday
- Appointment Only
- Sunday
- Closed
Financial Planning - Portfolio Managment - Tax Planning - Annuities - Life Insurance
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products. Advisory services are provided through Riptide Financial, LLC, a registered investment advisor.
All reports, publications, podcasts, audio files, and the content contained therein provided via this website are for informational purposes only. Content of podcasts is current as of the time of recording. No content available on this site is intended to provide tax or legal advice or personalized investment advice, nor is it an offer or solicitation to buy or sell securities. Views and opinions may change based on new information or analysis. Riptide makes no assurance as to the accuracy of any forecast made. Figures, references, and data cited in all written and audio content are obtained from sources believed to be reliable, but we do not warrant or guarantee the timeliness or accuracy of this information.
Investing involves the risk of loss, and some strategies may not be right for you. Past performance does not guarantee future return. Hypothetical outcomes do not reflect actual investment results and are not guarantees of future results. All assumed, expected, or stated returns are not guaranteed unless otherwise stated. Indexes are not available for direct investment. A professional advisor should be consulted before undertaking any strategy or implementing any specific advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. By requesting any report available via this site you may be provided with information regarding the purchase of insurance products or investment advisory services in the future.
Riptide Financial Services is not affiliated with any government agency, including the Social Security Administration. For information regarding your specific situation, it is recommended to contact the Social Security Administration.
*"Peace of Mind," "Safety," "Principal Protection," "Lifetime Income, "Guaranteed Income," or other guarantees are associated with fixed insurance products. No such language refers in any way to investment advice, investment advisory products, securities, or recommendations provided by Riptide Financial Services. Investing involves risk. Rates of return are not guaranteed unless otherwise stated. All guarantees relating to insurance products are dependent on the financial strength and claims-paying ability of the issuing insurance company. Guarantees may be subject to various restrictions, limitations, or fees, which can vary depending on the issuing insurance company. Annuities have limitations and are not appropriate for all circumstances or individuals. They are not intended to replace emergency funds or to fund short-term savings or income goals. Investing involves risk.
Lifetime income may be available on certain products through an optional rider at no cost or for an additional cost, depending on the specific product and contract. Taking withdrawals prior to turning age 59 ½ may result in tax penalty fees in addition to ordinary income taxes. Withdrawals from annuities may trigger charges or reduce the contract value and death benefit. Insurance products are not insured by any federal government agency and may lose value.
Riptide does not solicit or request reviews appearing on this page from non-clients, and clients are under no obligation to provide reviews. On occasion, Riptide Financial Services provides non-cash prizes such as gifts or gift baskets to existing clients in exchange for testimonials and referrals. All such non-cash compensation adheres to all applicable regulations.