Planning for retirement can be a daunting task. At Strategic Money Management, we strive to help you reach your retirement goals through strategic financial retirement planning. Strategic Money Management educates and helps clients work toward maximizing wealth and substantially reducing taxes on their IRA distribution, thus preserving more money for themselves and their families. We work with you to prevent the IRS from becoming an unnecessary major beneficiary of your family’s wealth.

Earl D. Schultz, ChFC, president of Strategic Money Management, is a member of Ed Slott’s Elite IRA Advisor Group, through which he has gained specialized knowledge about IRA distribution planning and financial retirement planning. We are an independent financial planning firm focusing on helping clients protect their wealth through strategic financial retirement planning.

Ongoing portfolio management and client reviews help each client stay on track toward meeting his or her goals.

We begin each client relationship with an initial consultation during which we ask questions, listen to you and learn about your goals, concerns and risk tolerance. Based on your needs and desires, we provide the following services, among others:

• IRA distribution tax reduction. We will help you understand and implement concepts and strategies that may allow you to substantially reduce or eliminate income tax on hundreds of thousands of dollars of your retirement plans and IRA distributions.
• Independent objective portfolio analysis. This comprehensive review of your fixed investments, stocks, bonds and mutual funds indicates how your investments compare to others in a similar investment category and against their benchmark index.
• Investment portfolio management. Based on your particular circumstances, such as age, income requirements, net worth and risk tolerance, we assist you in choosing appropriate investments for your portfolio.
• Asset Cycle Portfolio System®. This system helps you understand the purpose for each investment, how it will be used and when it will be used.
• Income tax and Social Security analysis. Through this analysis, we determine if you may be able to reduce federal income taxes and coordinate your income with Social Security benefits to potentially reduce the tax on both.
• Long-term care action planning. We assist you in making an informed decision regarding how to better protect your assets while helping you and/or your spouse design a plan with the goal of providing the necessary care to maintain a dignified lifestyle throughout your life.
• Estate enhancement and preservation. Depending on your situation, your retirement accounts may possibly be reduced by as much as 70% from taxes when you pass wealth from one generation to the next. We suggest strategies to help maximize your wealth and reduce taxes, especially on your IRA distribution.
• Multi-generational qualified disbursement review. This review considers the impact of a Stretch IRA Strategy, stretching out qualified dollars to potentially save taxes and continued growth of your money for future generations.
• Life insurance audit and repair. We analyze your life insurance based on your needs with the goal of increasing coverage and potential guarantees with no additional premiums.

We have offices conveniently located in Birdsboro, PA within Berks County and in Allentown, PA within Lehigh County. Call today to schedule your free initial consultation. We look forward to serving you.