Financial Services provided by Montini & Co Tax Advisory Group

Tax Planning

 Tax planning is often a forgotten part of retirement planning. This is an important step in the planning process, which is why Montini&Co Tax Advisory Group Advisors have in-house tax planners.


Roth IRA Options

Your IRA is taxable once you begin taking distribution or income. Depending on your tax bracket, after federal and state taxes are paid, you could lose as much as 40% to taxes.

Even worse, at age 70 1/2 the federal government requires you to begin taking a minimum distributions(RMDs) from your IRA, which could thrust you into the a higher tax bracket and wreak havoc on your retirement income plan, including the amount of tax you will owe on your social security benefits. 

A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies.  

Financial Planning

Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.

  • We identify the values and beliefs most important to you and your family.
  • We establish a clear set of short and long-term financial goals based on your values and beliefs.
  • Together, with your tax, legal and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.

A well rounded financial plan examines your total financial picture: your current financial position, risk management, investment planning, retirement planning, tax planning, and estate planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals.


Estate Planning

Estate planning and creating a legacy are on the top of most retirees’ minds. Estate planning is the art of making sure your loved ones still talk to each other after you pass on. Leaving an unplanned estate can destroy the strongest of family units. Make sure you take the time to build this important element into your comprehensive Retirement Plan.

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs. For example, you may have a small estate and may be concerned only that certain people receive particular things. A simple will is probably all you’ll need. Or, you may have a large estate, and minimizing any potential estate tax impact is your foremost goal. Here, you’ll need to use more sophisticated techniques in your estate plan, such as a trust.

Insurance Planning

Some retirees underestimate the impact a big market loss may have on the future of their income. Luckily, insurance can be used to protect more than just your physical assets. It can also be used to help protect your future. Our firm specializes in helping individuals safeguard their retirement nest eggs by offering a variety of insurance products and financial planning strategies.


Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.

Medicare Planning

What is Medicare and What Does it Cover?

Medicare is the federal health insurance program for people who are 65 or older, or those under 65 who may qualify because of a disability or another special situation. Medicare helps millions of American seniors and disabled individuals cover some of their health care costs.


This is not endorsed by the U.S. government or associated with any federal Medicare program.

Retirement Planning

Retirement should be about living life on your terms.  But how will you effectively convert the assets you accumulated into the income you need to live the retirement you dreamed of?

  • We help you to protect the assets you have built and create the income stream you can not outlive.

Explore options to fulfill your bucket list while maintaining financial security that will last throughout your lifetime.

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