Mayflower Capital



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Retiree Client


Client's Needs

* Investment Review and Advice: Do You Have the Right Investments?
* Integrate Investments With Financial Plan
* Frequent Check-up of Investments
* Second Opinion About Your Investment Strategy
* Investments Needed for Retirement Plan
* Investment Plan or Review
* Investment Plan for Lump Sum Distribution, Including Inheritances, 401k or 403b Rollover

   When you are retired there is no room for making investment mistakes because going back to work is not an option. So you need professional investment advice so that you can structure your portfolio to minimize risk of a crash, protect it from inflation, and integrate it with other parts of financial planning.
(Integrating investment advice with a financial plan requires ordering a financial plan). For example, one financial planning strategy might be to hold stocks in a taxable account so as to get Long Term Gains tax treatment and hold bonds in an IRA, a 401k, or a 529 Plan. When funds are withdrawn from a traditional IRA there is no tax treatment of investments as Long Term Capital gains, instead they are treated as "ordinary income", so a traditional IRA should not be used to hold stocks or real estate.



Mayflower Capital