- Tax Services
- Income TaxOnce your contributions are deposited into your 403b account the earnings will not be taxed until the money is withdrawn from the 403b account. Tax-deferred growth is important because it allows your account to grow more quickly than it would if the earnings were taxed every year. Withdrawals are taxed as ordinary income and may be subject to an additional 10% federal income tax penalty if made prior to age 59 ½.
- Investment ManagementIndividual Portfolio Management - We provide continuous advice to clients regarding the investment of their funds based on the individual needs of the client. Through personal discussion in which goals and objectives based on the client’s particular circumstances are established, we develop a client’s personal investment policy and create and manage a portfolio based on that policy.
- Accounting Services
- Financial PlanningFor your convenience, and to help you work towards your financial goals, Light Financial Services has provided some easy financial tools to help you manage your finances. We hope you enjoy these simple tools for your financial planning.
- Retirement PlanningConsulting Services - Clients can also receive in investment advice on a more focused basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or any other specific topic.
- Asset ManagementDiscipline - Our discipline is based on rational decision making rules and asset allocation. This mitigates careless decision making and emotionally based decision errors.