Financial & Insurance Services
We are dedicated to assisting you in achieving your desired retirement. We accomplish this by offering guidance to develop a comprehensive retirement income strategy, as well as providing a range of planning services and investment strategies to meet your goals.
Our commitment extends beyond the formulation of your retirement income strategy; we ensure continuous support in maintaining it throughout your retirement.
Through personalized plans developed via genuine partnerships, we empower our clients to navigate the complexities and challenges of the financial landscape. We take great pride in our honesty and integrity, ensuring you are receiving the service you deserve.
Asset Allocation & RIsk
We pride ourselves on providing retirement strategies to Twin Cities and the surrounding communities. We take a look at your unique mix of assets and integrate those aspects into a coordinated plan.
Life Insurance
Life insurance may provide some comfort for the policyholder because their loved ones will receive a death benefit when they pass away. It can also offer a number of benefits that may make it a valuable tool.
Income Planning
Income planning for retirement can be a daunting task because there’s a lot to learn. At Nohner Rosga Financial, we’re here to help you navigate throughout each of the three income planning phases – accumulation, distribution, and preservation or transfer – and to help you utilize tax advantaged vehicles to help accomplish your retirement income goals.*
Generational Vault
A virtual “safety deposit box” for our clients to upload important documents and view financial information. It comprises three dynamic components, including a secure portal to send and store confidential financial documents, daily investment and banking values, as well as snapshots of financial assets and expenses to view.
Tax Strategies
One part of building your retirement is determining your tax liability and developing a strategy to help minimize how much you pay. We recommend customizing your retirement to utilize any possible tax credits and deductions.
Retirement Strategy & Risk
Our organization prides itself on providing retirement strategies to Twin Cities and the surrounding communities. We take an extensive look at each client’s unique mix of assets to integrate all aspects of our clients’ wealth into a coordinated strategy.
*We do not provide legal or tax advice and you should consult an attorney or tax advisor for such advice.
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.
Generational Vault
Generational Vault never sleeps; it’s your 24-7-365 access to your accounts and important documents all in one place! Reach out to us today to discuss how Generational Vault can help you organize and safeguard the most important documents in your life.