At Michael W. Gutwetter, CPA, we focus on serving the accounting and financial planning needs of our diverse clientele. We believe that, with careful planning, you can overcome any financial obstacle. Our experienced and versatile staff can help you to assess your financial needs and develop a plan to achieve financial security and face any challenge life brings. From detailed accounting to investment review and analysis to education, retirement, and estate planning services, we can help you to achieve your goals.
It is never too early to start planning for retirement if you want to maintain your current lifestyle, or achieve an even better one. Careful planning helps you avoid common pitfalls and retirement planning mistakes and puts you on a solid footing to ensure that your retirement lives up to your expectations. At Michael W. Gutwetter, CPA, our retirement planning specialists listen to your objectives and goals, evaluate your current circumstances, and collaborate with you to formulate a comprehensive, achievable retirement plan. We compare the relative benefits of stocks, bonds, and other retirement assets, and explain the differences between retirement plans, including standard IRAs, tax-deferred annuities, and Roth IRAs. No matter where you are now - whether just starting out or close to retirement age - Michael W. Gutwetter, CPA can analyze your projected income and expenses and suggest investment funding techniques to help put you on the road to achieving your retirement dreams.
Social security is one of the most valuable pension plans EVER created. Yet people fully understand all the potential benefits that they are eligible for nor how they can go about maximizing their benefits. In fact, many couples leave as much as $25,000-$150,000 in missed but eligible benefits on the table. According to the National Social Security Association, over 90% of social security recipients get less money than they are entitled to. Over $10 billion each year in eligible social security benefits are missed out on by failure to maximize benefits. If you are approaching retirement perhaps now is the time to have Michael Gutwetter, CPA take a closer look at your available social security filing options to ensure that you maximize your eligible benefits and don't leave any money on the table.
You've worked hard to achieve success and build wealth, and comprehensive estate planning is a common-sense way to ensure that your hard-earned assets and the people you love are both protected in the future. Effective estate planning is critical to conserve your assets, both for you to enjoy in retirement and for the next generation, and to minimize the impact of estate and inheritance taxes on your beneficiaries. Michael W. Gutwetter, CPA has the knowledge and experience to help you formulate a successful plan for the future. We can review your financial position, recognize and minimize or eliminate potential liquidity issues caused by federal and state estate taxes, and employ a wide array of instruments such as trusts and charitable entities to maximize your assets and protect your beneficiaries.