Retirement & Tax Strategies
Longer life expectancies and early retirements make tax efficiency and sound insurance and investment choices essential. We develop and implement creative qualified and non-qualified retirement programs to help meet your and/or your business's goals. From company sponsored qualified plans to individual tax efficient savings programs, Cedar Point Financial Services LLC designs and implements bespoke solutions to meet your goals.
Tax Free Throw™
Are you a business owner or paid board member who has not yet filed your 2025 tax return or are on extension?
Estate Planning: Creating a lasting legacy isn't just about the assets you've accumulated—it's about ensuring they're transferred according to your wishes. We collaborate with estate planning attorneys and tax professionals to help coordinate strategies that support efficient wealth transfer, family continuity, and long-term legacy goals.
Life Insurance Policy Review: When Did You Last Have Your Policy Reviewed?
Life insurance is among the most sophisticated financial instruments in a portfolio — and among the most neglected and misunderstood. Policies underperform. Needs change. Regulations change.Executive Benefits: As compensation rises, the structural limits of traditional qualified plans create an increasingly significant gap between what executives earn and what they can protect for retirement. Non-qualified executive benefit plans exist specifically to bridge that gap.
High-Limit Disability Insurance: For high-income earners — physicians, executives, business owners, athletes, models, entertainers, and top-producing professionals — standard disability coverage is inadequate. Traditional group policies replace only a fraction of earned income, capped at inadequate levels that are often adversely taxed.
Long Term Care: Seventy percent of Americans over age 65 will require long-term care services at some point.
Life Settlements: In a life settlement transaction the life insurance policy holder transfers ownership in exchange for cash and/or a residual death benefit. The former policy holder is no longer responsible for the policy premiums and receives a cash payout that is larger then the surrender value of the policy but less then the death benefit. Life settlements can be valuable alternatives to letting expiring term insurance lapse worthless and for clients who no longer need or no longer can afford their insurance.
CALCULATE YOUR CURRENT POLICYAnnuities Income: Annuities are long-term instruments designed to convert accumulated assets into guaranteed, tax-efficient income that cannot be outlived. For high-net-worth clients, the critical variable is structure: which assets to annuitize, in what -sequence, and how to coordinate with other retirement income sources.
