You’re Looking for the “Hot” Investment

Every year there’s a new investment everyone says you must own.

Dot-com stocks.

Cryptocurrency.

Cannabis stocks.

Artificial intelligence.

Whatever comes next.

We don’t build retirement plans around headlines.

Instead, we build personalized retirement strategies designed to help you pursue your goals while managing risk and preparing for life’s uncertainties.

If you’re looking for someone to recommend the next stock that’s going to double overnight, you’ll probably be disappointed.

 

You Believe Retirement Planning Is Only About Investments

Investments matter—but they’re only one piece of the puzzle.

A successful retirement plan also considers:

• Retirement income planning
• Roth conversion opportunities
• Social Security claiming strategies
• Medicare and IRMAA planning
• Required Minimum Distributions (RMDs)
• Federal income taxes
• Illinois estate tax planning
• Long-term care considerations
• Legacy and charitable planning

We believe these decisions should work together—not in isolation.

 

You Want a Financial Advisor Who Never Challenges Your Thinking

Our job isn’t to tell you what you want to hear.

Our job is to tell you what you need to hear.

Sometimes that means recommending you delay Social Security.

Sometimes it means suggesting a Roth conversion.

Sometimes it means encouraging you to take less investment risk than you expected.

Sometimes it means explaining why doing nothing is actually the best decision.

If you’re looking for someone who simply agrees with every idea you bring to the table, we’re probably not the right firm.

 

You Expect Guaranteed Investment Returns

Neither we nor any ethical financial advisor can promise future investment performance.

Anyone who guarantees market returns, promises they can always beat the market, or claims to know exactly what the economy will do next should raise serious questions.

We believe honesty builds trust.

 

You Don’t Value Ongoing Planning

Retirement isn’t a one-time event.

Tax laws change.

Markets change.

Families change.

Health changes.

Goals change.

Your retirement plan should evolve as your life evolves.

That’s why we meet with our clients regularly and proactively review their plans.

If you’re looking for someone to “set it and forget it,” we’re probably not the right fit.

 

You’re Constantly Shopping for a Different Advisor

We’re not interested in winning your business for six months.

We’re interested in building relationships that last for years—often decades.

The best retirement planning happens when trust has time to develop.

If you’re interviewing a new advisor every year hoping someone has a magic solution, you’re unlikely to benefit from a long-term planning relationship.

 

You Want to Ignore Taxes

Many retirees unknowingly pay more in taxes than necessary.

Our planning process often focuses as much on taxes as it does investments.

We regularly discuss:

• Roth conversion strategies
• Tax-efficient withdrawals
• Capital gains planning
• Charitable giving strategies
• Legacy tax-efficient strategies
• Required Minimum Distribution planning

If your philosophy is simply “I’ll pay whatever taxes I owe,” that’s certainly your choice.

Our clients usually want to explore whether there’s a better way.

 

You’re Looking for the Lowest Fee—Regardless of Value

Everyone appreciates saving money.

But selecting a financial advisor based solely on price is a little like choosing a surgeon because they offered the lowest bid.

We believe value matters far more than cost alone.

If thoughtful planning helps reduce unnecessary taxes, avoid costly mistakes, improve retirement income, or protect your family, those benefits can far outweigh the advisory fee.

 

You Frequently Miss Appointments

Life happens.

We understand emergencies.

But consistently cancelling at the last minute or missing appointments without notice makes it difficult to serve all of our clients well.

We respect your time and simply ask for the same courtesy in return.

 

You Want Weekend or Late-Night Meetings

Our advisors and staff maintain regular business hours so we can provide exceptional service to every client.

Like most attorneys, accountants, and physicians, we generally meet during the workweek.

Protecting our team’s personal time helps us bring our best to every client meeting.

 

You’re Looking for a Transaction Instead of a Relationship

Some people simply want someone to sell them an investment product.

That’s not what we do.

Our focus is comprehensive retirement planning—not product sales.

If we’re fortunate enough to work together, you’ll have a team dedicated to helping you navigate retirement’s financial decisions for years to come.

 

Who Is a Great Fit?

Our ideal clients are typically successful Baby Boomers and Generation X families who are approaching retirement or already retired.

They value education.

They ask thoughtful questions.

They understand that retirement planning is about more than investment performance.

And they appreciate having a trusted advisor helping coordinate tax-efficient strategies, investments, retirement income, Social Security, Medicare, legacy planning into one comprehensive strategy.

 

If This Sounds Like You…

We’d be honored to have a conversation.

The first step is a complimentary 15-minute phone consultation where we’ll learn more about your goals, answer your questions, and determine whether we’re a good fit for one another.

If we are, wonderful.

If we’re not, we’ll tell you that, too.

Because finding the right financial advisor is too important to settle for the wrong one.

 

Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Insurance products are offered through the insurance business Scott Tucker Solutions, Inc. Scott Tucker Solutions, Inc is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by Scott Tucker Solutions, Inc are not subject to Investment Advisor requirements.

Scott Tucker Solutions, Inc. has a strategic partnership with tax professionals and attorneys who can provide tax and/or legal advice. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Scott Tucker Solutions, Inc is not affiliated with or endorsed by the U.S. Government or any governmental agency.