The R.O.W. Group

🌟 Introducing The R.O.W. Group - Your Partner in Financial Architecture 🏦 Welcome, new followers! We're thrilled to have you join our LinkedIn community. Today, we want to shed light on our tailored business idea – Financial Architecture & Financial Blueprint. 🏛️ What is Financial Architecture? At The R.O.W. Group, we view wealth management as an intentional journey. Our Financial Architecture is the blueprint that empowers individuals, families, and businesses to embrace the R.esponsibility O.f W.ealth. 📜 What is a Financial Blueprint? A Financial Blueprint is your roadmap to financial success. It defines your specific goals and objectives, aligning them with your assets, their titling, essential documents, and the right financial products. This comprehensive strategy ensures that everyone involved is committed to realizing your financial goals and fully acknowledging and shouldering the duties that come with the Responsibility of Wealth. But what does that mean? 🌟 Responsibility of Wealth: Taking ownership of your financial future and making informed decisions is the essence of the Responsibility of Wealth. It's about understanding that your financial well-being is in your hands. #FinancialArchitecture #FinancialBlueprint #ResponsibilityOfWealth #FinancialAdvisors 6039371.1

Switching 401(k) record keepers? Don’t over look this key detail! Hear from our CEO and president Mary Jo Innis, CPFA in the video below for information you don’t want to miss👩🏫 #MVA #MarketValueAdjustment #Retirement #401k #FYI 7440582.1

Nothing says holiday spirit like a table full of sweets! 🎅 🍪 This year, we’re debating the ultimate holiday dessert: cookies, pies, or cakes! Vote below to help us crown a winner—and share your go-to holiday treat in the comments! 🍪🥧🍫 #HolidaySeason #Dessert #SeasonalTreats #SweetTooth #PollTime

On #WorldHumanRightsDay, we recognize that economic empowerment is an essential part of human rights. Financial security should be accessible to everyone, which is why we’re committed to making retirement planning easy. 🌍💼 At The R.O.W. Group, we believe in the power of education and guidance. That’s why we offer in-person 401(k) enrollments—providing employees the chance to learn, ask questions, and have confidence in their retirement plans. We’re proud to support individuals on their journey to retirement, promoting not just wealth-building but economic empowerment for all. #HumanRightsDay #EconomicEmpowerment #FinancialSecurity #RetirementPlanning #FinancialPlanning 7369076.1

Creating a lasting family legacy is a goal many of us hold dear, and life insurance plays a critical role in making that vision a reality. 🌳💼 Life insurance goes beyond financial security—it’s a tool to preserve wealth, protect loved ones, and ensure that future generations have a solid foundation. But a legacy plan is most effective when it’s discussed openly with your family. Including loved ones in these conversations ensures clarity, shared goals, and understanding across generations. By incorporating life insurance into your legacy planning and talking about it with your family, you can:  Provide financial support for your family, covering future expenses, education, and more.  Safeguard assets, allowing for a smooth transfer of wealth without unnecessary taxes or burdens.  Honor charitable goals by designating a portion for causes that matter to you. As you look toward the future, consider both structuring a comprehensive plan and discussing it with those who matter most. A legacy isn’t just what you leave behind—it’s the shared vision and values you create together. #LegacyPlanning #LifeInsurance #FamilyWealth #FinancialPlanning #LeaveALegacy  7369076.1

This #GivingTuesday, consider how charitable giving can be an integral part of your financial plan! 💙 If you’re age 73 or older, required minimum distributions (RMDs) can create a unique opportunity to give back. By making a Qualified Charitable Distribution (QCD), you can donate directly from your IRA to a qualified charity, satisfying your RMD and excluding that distribution from your taxable income. It’s a win-win for both you and the causes that mean the most to you. Want to explore how RMDs or other assets can maximize your impact? We’re here to guide you through charitable giving strategies tailored to your goals, ensuring your contributions align with your financial plan while making a difference. Today’s a perfect day to give back—and plan for a future of giving. 🤝✨   #FinancialPlanning #CharitableGiving #RMDs #Taxes #GivingTuesday 7369076.1

🍁 Happy Thanksgiving from The R.O.W. Group! 🍁 As we gather to give thanks this season, we want to extend our heartfelt gratitude to all of our incredible clients. Thank you for placing your trust in us to guide you through your financial journey. Your confidence in our team means the world to us, and we are so thankful for the relationships we’ve built with each of you. Wishing you and your loved ones a joyful Thanksgiving filled with happiness, peace, and plenty of good food! #Thanksgiving #Grateful #ClientAppreciation #ThankYou #FinancialPlanning #Trust #HappyThanksgiving 7191801.1

✌ Check it Twice: Year-End Financial Checklist! 📝 As the year comes to a close, now’s the perfect time to review your financial plan and make sure you’re on track for your goals. Here are some key items to check off before the year ends:  Max Out Retirement Contributions: Have you hit your 401(k) or IRA contribution limits for 2024? Now’s the time to top off those accounts!  Review Tax Strategies: Take advantage of tax deductions, tax-loss harvesting, or charitable contributions before December 31st.  Update Beneficiaries: Life changes happen! Review your beneficiary designations on retirement accounts and insurance policies.  Rebalance Your Portfolio: Markets shift—has your investment strategy? Now’s a great time to ensure your portfolio still matches your risk tolerance and goals. Need help reviewing your plan? We’re here to guide you through a smooth financial wrap-up for the year! #YearEndChecklist #FinancialPlanning #TaxStrategies #RetirementSavings #WealthManagement   7191801.1

🎁 Annual Gifting: A Smart Financial Strategy for Generational Wealth 🎁 Did you know that annual gifting can be a powerful way to transfer wealth while reducing your taxable estate? Here’s how it works:  The IRS allows you to gift up to $17,000 per person, per year (as of 2024) without incurring any gift taxes. That means you can transfer assets to your loved ones without dipping into your lifetime estate tax exemption. Why Consider Annual Gifting?  Reduce Estate Size: Gradually decrease the value of your estate, potentially reducing future estate taxes.  Support Loved Ones Now: Help family members with education, home purchases, or other needs while you’re here to see them benefit.  Strategic Wealth Transfer: Regular, planned gifts can provide more control over how your wealth is passed down across generations. This is a great way to spread the love and ensure your family is taken care of in the long run—while minimizing tax burdens! #AnnualGifting #WealthTransfer #EstatePlanning #TaxStrategy #GenerationalWealth #FinancialPlanning  7191801.1

💰 Tax-Free vs. Tax-Deferred Accounts: What’s the Difference? 🤔 When it comes to retirement planning, understanding the difference between tax-free and tax-deferred accounts can make a huge impact on your future finances. Here’s a quick breakdown: 🔹 Tax-Free Accounts (like Roth IRAs or Roth 401ks):  You pay taxes on contributions now.  Your money grows tax-free.  Withdrawals in retirement are completely tax-free, meaning you won’t owe a dime on your earnings. 🔹 Tax-Deferred Accounts (like Traditional IRAs or 401ks):  You contribute pre-tax money, which can lower your taxable income today.  Your investments grow tax-deferred.  But, you’ll pay taxes when you withdraw the money in retirement, based on your tax bracket at that time. The choice between these two often depends on your current tax situation and where you expect your taxes to be in the future. Want help deciding which is best for you? We’re here to guide you through it! #TaxPlanning #FinancialPlanning #RothIRA #401k #RetirementPlanning #TaxDeferred #TaxFreeGrowth 7191801.1