Planning for Your Financial Goals
Life Insurance
Life insurance can help replace lost income, pay off debt, and provide financial security for loved ones after someone passes away, while also supporting broader retirement goals. It may also serve as a business protection tool for small business owners and offer potential tax-related benefits through death benefits, tax-free exchanges, and policy cash values.**
**Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse or affect any guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Withdrawals are generally income tax-fee, unless the withdrawal amount exceeds the amount of premium paid. Policy loans are not usually subject to income tax unless the policy is classified as a modified endowment contract (MEC) under IRC Section 7702A. However, withdrawals or partial surrenders from a non-MEC policy are subject to income tax to the extent that the amount distributed exceeds the owner’s cost basis in the policy. Tax laws are subject to change. Clients should consult their tax professional. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting.
Enhanced Planning
Enhanced planning can be an important component of a retirement strategy and may help facilitate the transfer of assets and communication of legacy goals. We can help you develop a plan designed to address your wealth transfer objectives and estate planning priorities.*
*Our firm does not provide legal advice, and you should consult an attorney for such advice.
Social Security
Your Social Security benefit represents years of savings and hard work, which is why we work to help you understand how it fits your retirement strategy. We think it’s important for you to be educated so you head into retirement with a strategy on how you will rely on your benefits.
Tax Strategies
One aspect of retirement planning may include evaluating tax considerations and developing strategies intended to improve tax efficiency. We recommend customizing your retirement to utilize any possible tax credits and deductions.***
***Genesis Wealth Management does not offer legal or tax advice. Clients should consult their qualified tax and legal professionals regarding their specific circumstances.
Custom Financial Planning
- Financial & Investment Planning
- Portfolio Evaluation and Stress Testing
- Asset Allocation & Risk Assessment
- Retirement Income Planning
- Strategies to help Optimize Social Security
Business Retirement Plan Services
- Exceptional Service for your current retirement plan or guidance establishing a new 401K or Simple plan
- Helping business owners select and monitor investments, navigate their fiduciary responsibilities, and reduce potential liabilities
- Commitment to superior ongoing service and participant education
- Vendor management to make sure your plan is cost effective
Family Services
- Planning for Marriage, Divorce & Births
- Multi-Generational Goal Tracking
- Family Financial Education
- Lifestyle Planning & Advice
Estate & Inheritance Planning
- Estate Planning/Wealth Transition
- Estate Management Education
- Philanthropy & Charitable Giving/Legacy Planing
- Family Appointments Recommended
Why Genesis
At Genesis, everything we do begins with our commitment to the people we serve. We believe great relationships are built by listening first, understanding what matters most, and being there when our clients need us. With a small-town approach and big-city expertise, we strive to make every interaction approachable, responsive, and personal—so our clients feel confident, informed, and supported every step of the way.
Whether you’re working with Genesis Financial Group, Genesis Wealth Management, or Genesis Accounting & Tax, you’ll find a team that values trust, communication, and long-term relationships. We take pride in being accessible, proactive, and genuinely invested in creating a positive client experience, helping you navigate life’s financial decisions with clarity and confidence.
At Genesis Wealth Management (GWM), we provide investors with custom-tailored investment strategies designed to help meet their short- and long-term needs.* GWM provides full transparency through separately managed accounts. Our goal is to help clients pursue their financial goals by providing thoughtful planning and investment guidance through an open and transparent process tailored to their individual needs and circumstances.
*Investment strategies are provided by Genesis Wealth Management
Who We Are
Genesis Wealth Management: Registered Investment Advisors
- Develop tailored solutions to meet your needs
- Experienced investment managers
- Comprehensive portfolio management
- Ongoing investment monitoring
- Separately Managed Accounts (SMA)
- Preservation of capital and income 401K/IRA analysis and allocation recommendations
