Personal Solutions

R.P. Musko & Associates provides individuals and families with innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.

Wealth Strategies and Retirement Planning

We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, and investments. We offer a consistent process to help ensure management of investment assets according to your risk tolerances and expected returns investment goals. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Estate Planning

A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

Charitable Planning

Charitable planning allows you to support the organizations and causes that matter to you. Numerous charitable giving strategies exist, and we work with your tax and legal professionals to help execute a charitable giving plan that is in alignment with your personal and philanthropic goals.

Investment Management*

Managing your wealth requires a clear understanding of your overall investment objectives. Through Eagle Strategies LLC, comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons.

*As a Financial Adviser through Eagle Strategies LLC, Richard Musko can offer.

 

Financial Planning*

Richard Musko provides personalized financial planning to his clients that is specific to several variables including their income, risk tolerance, values, and family. He works with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.

*All financial planning and investment advisory services offered through financial advisors affiliated with Eagle Strategies LLC.

Disability and Long Term Care

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses long term care issues and disability insurance can create the necessary balance in a portfolio to ensure stability and protection of assets.

401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover should be a strong consideration. We can help you determine the right course of action for you.

When considering rolling over the proceeds of your employer sponsored retirement plan to an IRA, you have the option, among others, of leaving the funds in your existing plan, if permitted, or rolling them into your new employer’s plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on the desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement plans. Neither New York Life Insurance Company nor its agents provide tax or legal advice. Consult your own tax and or legal advisors regarding your particular situation.

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