High Net Worth Investment Services in Hiawatha, IA

The advisors at Worth Investments have watched the same pattern repeat since 1999: clients arriving with sizable portfolios, solid account balances, and almost no structure around how those accounts will be taxed when distributions begin. Addressing that gap describes what actually happens here.

Tax Strategy, Not Just Tax Advice

Worth Investments does not give tax advice, and the distinction matters. Tax strategy means structuring your accounts, conversions, and withdrawal sequencing before the tax bill is generated, not after. That means looking at your Roth conversion window in the years before required minimum distributions arrive, planning which accounts to draw from first, and making sure your retirement income does not push you into brackets that were avoidable with earlier action. A CPA files what happened. Worth Investments helps you shape what happens.

Coordinated Planning Across Every Account

A high net worth client rarely has just one account. You may have a 401(k), one or more IRAs, a taxable brokerage account, real estate holdings, and possibly farmland or business equity built over decades. A plan that only addresses one piece of that picture will miss the interactions that create the biggest tax exposure. Worth Investments looks at the full picture, including life insurance and health insurance planning once you retire, so nothing sits in a silo.

Access to an Ed Slott Advisor for IRA Complexity

The Ed Slott Advisor affiliation (IRAhelp.com) carries real weight here. Ed Slott's training program is widely regarded as the most rigorous IRA-specific continuing education available to financial advisors. Inherited IRA rules, required minimum distribution timing, and rollover mistakes are among the most costly errors high net worth retirees make, and generalist advisors are frequently not trained at this level. The Dave Ramsey SmartVestor Pro designation and the Chartered Financial Fiduciary (CFF) credential round out a formal training background built specifically for the complexity you face.

Retirement planning that stops at the investment portfolio leaves a real gap. For clients transitioning out of employer benefits, two questions surface immediately: what happens to health coverage before Medicare kicks in at 65, and whether existing life insurance still fits the plan.

Worth Investments handles both inside the same advisor relationship. Bridging the health insurance gap during those pre-Medicare years is not a small budget item, and waiting until the last minute to sort it out tends to be expensive and stressful. The Worth Investments team builds that coverage period into the retirement income plan early, so you are not scrambling for options in the final weeks before your last day of work.

For clients with larger estates, life insurance often serves a different purpose than it did during your working years. Rather than income replacement, it can function as a tax-efficient tool for legacy planning or charitable giving. Many investment-only firms will send you somewhere else for this conversation, but Worth Investments addresses it as part of the same plan, with the same advisor who already knows your full financial picture.

Longevity in this business means something specific: clients have stayed. Worth Investments has been in practice since 1999 and has operated as an independent firm since 2002, putting the advisors here through multiple market cycles, a financial crisis, a pandemic, and more tax law changes than most clients want to count.

Clients stay because the planning goes deeper than what they experienced before. On the infrastructure side, Worth Investments is affiliated with LPL Financial, one of the largest independent broker-dealers in the country, so you get institutional-grade account support behind a firm that actually knows your name.

Your first meeting carries no obligation, and you will leave with real information about your situation. When you are ready to take a closer look at where your retirement plan stands, scheduling a conversation online is a straightforward place to start.

This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual.

Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal.  Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.