Financial Planning

A Comprehensive Wealth Management Plan

What do you see when you look at your financial picture: a stockbroker here, a financial advisor there, a CPA in one office who refers you to an insurance person or an estate planner in other offices? From any perspective, this is a very confusing picture.

At Mutual, Inc. we look at the whole picture—taxes, investments, retirement, insurance, lending, and estate.

For that matter, do your accountant and your financial advisor talk to each other to discuss what you should sell for tax purposes—so that you can reduce capital gains or take losses against ordinary income? Do any of the people you entrust with your financial future all get together with you in one room at least once a year—before December 31st—to discuss your upcoming tax preparation and its implications for you and your family’s future and well-being? If your answer is “No” to these questions, you are not alone.

Just imagine a complete plan, where all your tax planning, financial and estate planning, and legal needs are addressed under one roof. We call it a comprehensive wealth management plan. Most responsible people call it common sense.

Achieving financial security

At Mutual, Inc. all new clients work with our tax professionals to compile a confidential financial profile based on income, expenses, individual needs, and goals. We review their previous three years’ tax returns, examine their current lifestyle, and prepare a personal tax plan. Based on this information, we will implement a sound, well-thought-out financial strategy to minimize their year-to-year tax liabilities and to provide them the opportunity to maintain their current standard of living throughout their retirement.

Just imagine a complete plan, where all your tax planning, financial and estate planning, and legal needs are addressed under one roof.

At Mutual, Inc. we encourage our clients to sit down with us during the year—not only at tax time— to examine their income, their sources of income, their fringe benefit plans, their assets, their sources of interest and dividend income, and show them ways to reorganize these areas to take advantage of all the deductions that are available to them—ultimately to lower their overall tax bill.

At Mutual, Inc. we look at the whole picture—taxes, investments, retirement, insurance, lending, and estate—which allows clients to see their entire financial picture and to understand how wise decisions will let them keep more of their money, provide them with a healthy and solid financial outlook, and secure their family’s future.

How you live tomorrow depends on the choices you make today.

Investment Advisory Services:
Asset and Financial Planning, LTD. (AFP) (the "Adviser") is a New York Corporation formed in May 1983. The primary business of AFP is to provide advisory services as defined by the Investment Advisers Act of 1940 to new and existing clients of its registered broker-dealer affiliate, Prime Capital Services, Inc. (Prime), whose office is located at 11 Raymond Avenue, Poughkeepsie, New York 12603.

Disclosures: Tax Planning and Preparation provided through Mutual, Inc. Securities offered through Prime Capital Services, Inc. (PCS). Investment Advisory Services offered through Asset & Financial Planning, Ltd. (AFP). Insurance offered through Prime Financial Services (PFS). PCS, PFS, and, AFP are wholly owned subsidiaries of Gilman Ciocia. Neither Mutual, Inc., nor any of its subsidiaries offer legal services. Legal advice is available through Attorneys in private practice. These practices are not affiliated with Mutual, Inc.. Accounts carried with National Financial Services, LLC (NFS). Member NYSE/SIPC. NFS is a wholly owned subsidiary of Fidelity Investments. Mutual, Inc., PCS, AFP, PFS, NFS, and, Fidelity Investments are not affiliated.