Individuals & Families

Michael Aschberger provides an array of financial analysis, alternatives, and strategies including:

• Identifying capital, contribution, and return requirements to meet objectives
  
• Building cash reserves
  
• Information on alternatives pros/cons
  
• Asset allocation: attempting to reduce risk, enhance rate of return by balancing assets

• Helping clients with game plan for disability, illness or premature death
  
• Reviewing current insurance

• Dealing with lump sum distribution options
  
• Projecting early or late retirement
  
• Income generating strategies
  
• Minimizing tax liabilities*
  

*Neither Royal Alliances Associates, Inc., nor its representatives, offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.

• Protecting privacy
  
• Preserving family wealth
  
• Charitable giving

• Money markets
  
• Treasury bills, notes, and bonds
  
• Stocks
  
• Bonds (taxable and tax free)
  
• Real estate investment trusts (REITs)
  
• Annuities (fixed and variable)
  
• IRAs, SEPs
  
• 529 plans

• Individual and group life (term, fixed/variable, universal)
  
• Disability
  
• Private pension
  
• Key person insurance
  
• Medicare Supplemental

• Qualified plans: 403(b), 401(k), profit sharing, SIMPLE IRA
  
• Pension planning
  
• Deferred compensation strategies