Our firm takes pride in providing comprehensive retirement planning services to our clients. We review our clients’ wills, estate plans/trusts, taxes and insurance. Our comprehensive services integrate all aspects of our clients’ financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.

We offer:

• Insurance Planning
• Beneficiary Review
• Retirement Planning
• Financial Needs Analysis
• Analysis of Present and Future Expenses
• Estate Preservation
• Income Planning

Just imagine a complete portfolio, where all your financial, estate and tax preparation needs are addressed in a customized binder. This is your comprehensive retirement plan. Our coordinated approach ensures that your plan is developed using an all-inclusive view. We have found that many financial services professionals focus on products; our experience shows that our clients’ needs are best met by focusing on processes and most importantly, people.

Ron and Adam Dukes do not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.

Perhaps the most impactful piece of retirement planning is determining your current and future tax liability and developing strategies to minimize the amount of taxes you pay in retirement. Tax planning can have a large impact on the amount of wealth you will be able to transfer to your legacy. We will help ensure that your retirement plan is tailored to utilize both tax advantaged and taxable products to help certify you and your heirs are maximizing wealth for generations to come.

Working in concert with your personal tax professional or our partnership with local CPA firms, we can provide tax reduction strategies. Proactive tax planning allows our clients the opportunity to minimize tax burdens and build a solid foundation of tax reduction strategies that can result in years of tax savings.

Tax Planning Services

• Roth Conversion Analysis
• Year-end tax filing services
• 1040 tax optimization reports
• Personalized tax reduction reports

We strive to implement a sound, well-thought-out financial strategy to minimize year-to-year tax liabilities and provide the opportunity to maintain your current standard of living throughout retirement.

Ron and Adam Dukes do not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.

For even the most financially literate individual, planning for retirement can be a very challenging undertaking. The days of relying solely on your pension and Social Security benefit to satisfy your income needs during retirement are long gone. In today’s economic climate, historically low interest rates coupled with high market volatility rates have made planning for retirement difficult and more important than ever.

One of the most difficult aspects of retirement planning is the mental shift it requires. Prior to retirement, your financial life was dictated by an earning and saving paradigm. Once you retire, however, you will no longer be earning a paycheck you can save which means you will need to generate an income through other sources.

A crucial first step toward helping ensure adequate funding throughout your retirement is understanding that having retirement savings is not the same thing as having retirement income. Saving for retirement is what you have spent most of your working life doing, but now is the time to begin using those savings to create the retirement income you’ll need. This can represent both an incredible investment and mental challenge and is a process made much easier by enlisting the services of a financial professional.

Our firm can help you define your retirement goals and evaluate your current financial state. In addition, we can help you design a retirement plan capable of generating, in a reliable and sustainable manner, the income you need.

You’ve spent your life working hard for your money and now is the time to let us help you make it work hard for you!

Dukes Financial, LLC, Ron Dukes and Adam Dukes are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.

5 Important Social Security Questions You Should Know

For many retirees, Social Security benefits form the foundation of their retirement income. In order to make sure you get the most out of your benefits, you should have a solid grasp on this complex matter.

We have put together an informative brochure that helps answer the following questions:

1. What is your Social Security amount?
2. When is the best time to start taking your Social Security benefit?
3. Are there different options if you are married?
4. Does earning additional income while you are on Social Security impact the value of your benefit?
5. Do you pay tax on your Social Security benefit?

Please contact us to receive your brochure!

Dukes Financial, LLC, Ron Dukes and Adam Dukes are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.

If you or a loved one need long-term care, it is important to have a plan in place to help get the quality care you deserve. At Dukes Financial, LLC, we believe we have an obligation to tend to our clients’ needs, especially when they are no longer able to do so themselves, and help ensure that each dollar is spent wisely and with our clients’ best interests in mind.

At Dukes Financial, LLC, accounting for your long-term care needs is about more than purchasing an insurance policy, it’s about designing a comprehensive strategy that will protect both your well-being and your assets. You shouldn’t have to choose between your health and your financial future. Let us help you develop a plan that helps ensure your long-term care needs are met, but not at the expense of your finances.

Do you have a financial safeguard set up to protect your loved ones after you pass away? With a well-thought-out life insurance plan, you can do just that.

The purpose of life insurance is to help provide a measure of financial well-being for your family and loved ones when you are no longer there. With the purchase of a well-planned life insurance policy, you can help ensure that your family and loved ones will be taken care of.

Life insurance may provide you with an array of benefits such as providing for funeral costs and final medical bills, along with helping with life expenses for your dependents and/or survivors. BUT, what really sets it apart from other financial options is that it receives advantageous tax treatment unlike any other financial tool.

Benefits include:

• Death benefits to the beneficiary are usually income-tax-free.
• If properly owned, death benefits may be estate tax free.
• Policy loans are usually income tax free.
• Cash values can grow tax deferred during the owner’s lifetime.

As an independent insurance firm, we are able to shop dozens of insurance carriers to find the best rates and product solutions to fit your specific needs and goals. In addition, we offer complimentary reviews on your existing life insurance contracts.