At Gebhart & Associates, Inc. we specialize in Wealth Management,  Estate Planning, Retirement Planning, and Employee Benefits.

Retirement Planning

We take pride in helping clients insure that their golden years are truly golden, but that planning starts long before the actual retirement date. There are really three distinct phases and each is important to ensuring a comfortable retirement.

The first phase is pre-retirement. This takes place during your working years or as we call it "the accumulation years". The decisions that are made during this stage will largely determine how much income you have available when you retire.

The next phase is actual process of retirement. This takes place in a relatively short period of time. The decisions made here could easily mean the difference between success and hardship during your post retirement years.

The final phase we help clients with is post-retirement. This is when you get to enjoy the rewards of the previous phases, but the decisions here will affect your ability to continue the lifestyle you have worked and planned so carefully to establish.

No matter where you are on the retirement timeline, you have some idea of what you'd like to do when you retire. We help clients to turn their retirement goals and dreams into reality. To do that it requires a well defined plan, a plan that will supply you with answers to questions about retirement costs. It will guide you through a step by step approach designed to build and manage your retirement nest egg, beginning before retirement and continuing through your "golden years".

Estate Planning

Our clients work hard to secure a comfortable lifestyle for their family and loved ones, they want to ensure they have a sound financial plan that includes trust and estate planning. With some forethought, our clients are often able to minimize gift and estate taxes and preserve more of their assets for those they care about.

One of the first steps you'll take in the estate planning process is determining how much planning you'll need to undertake. No two situations are alike. And even individuals who don't have a great deal of wealth require some degree of planning. On the flip side, those with substantial assets often require highly complex estate plans.

We like to go through a "Needs Evaluation" with our clients. Two key components of your initial needs evaluation are an estate analysis and a settlement cost analysis. The estate analysis includes an in-depth review of your present estate-settlement arrangements. This estate analysis will also disclose potential problems
in your present plan, if they exist, and provide facts upon which to base decisions concerning alterations in your estate plan.

Estate planning is very complex. And while a simple will may adequately serve the estate planning needs of some people, you should meet with a qualified legal advisor to be sure you are developing a plan that is consistent with your objectives.

Finally, be sure to recognize that estate planning is also an ongoing process that may require periodic review to ensure that plans are in concert with your changing goals. In addition, because estate planning often entails many facets of your personal finances, it often involves the coordinated efforts of qualified legal, tax, insurance, and financial professionals.