John Boyer, Inc. researches the full spectrum of solutions available, ranging from equity and fixed income to real estate and alternative investments, and performs rigorous risk assessment to ensure your assets can withstand the unexpected. Our goal is to provide sound investment solutions that are responsive to our clients’ financial needs.

We maximize what you earn by reducing what you owe through a systematic analysis of options allowed under tax law. We do this by keeping our fingers on a client’s financial pulse throughout the year, not just at the end of the year. Our strategies are designed to grow and protect assets through minimizing tax liability; defer or shift income to pay fewer taxes now or later; reduce taxes on estates and gifts to allow clients to give more; and lower taxes on investments and retirement distributions to maintain targeted cash flow.

We will help you determine the amount you will need at retirement and which plan will best meet those goals. It’s estimated that most people will need at least 70% of pre-retirement income after they stop working. Social security payments to which you may be entitled represent only a small portion of the total amount necessary to sustain your desired retirement lifestyle. It is, therefore, our responsibility to help you evaluate how best to manage such savings vehicles as IRAs, 401(k)s or 403(b)s and other retirement plans so that you can meet these goals without constantly worrying about them.

Although we are not attorneys and do not provide legal advice, we certainly can assist in a number of ways by making sure your estate plan is fundamentally sound. For example, we can walk you through our Asset and Beneficiary audit. We also can have a competent estate planning attorney carefully review your legal documents. It’s important to recognize that medical, financial and emotional decisions that affect your estate and your family can be difficult and should not be left to others. We will guide you through the options available so you have the necessary legal documents, like trusts and wills, which will ensure your decisions are implemented as you have chosen.

This is a necessary evil that is easily and readily overlooked by many clients. John Boyer, Inc. works closely with you to develop a budget that will help control spending and manage cash flow to establish emergency reserves, surpluses for investments, and assistance in reaching your financial goals.

This service is designed to protect your assets by providing safety nets with life, disability, and long-term care insurance planning for events that can cause serious financial loss.

We identify current and future education costs for both you and your family members and determine which planning vehicles are the most appropriate to pay for those costs.

We take the time to understand your values and desires and help you enhance the quality of others’ lives through a sensible charitable giving plan that fits your specific circumstances.