Tools & Resources
Practical guides to help you plan smarter, invest wisely, and stay confident about your financial future.
Your Wealth Game Plan
Your next smart move might start with the right guide. Explore free resources designed to give you clarity and confidence:
Large IRAS:
3 Key Planning Opportunities
There are several planning avenues for tax-efficient strategies related to traditional IRAs. While we won’t provide an all-inclusive examination of those techniques here, these pages will explore three of the primary tax planning opportunities with traditional IRAs of at least $1 million.
Tax Planning for
Federally Taxable Estates
A common estate planning concern of many high net worth individuals is the ability to leave more to their loved ones by limiting the amount of their assets that will be subject to federal estate taxes.
Explore Our Guides
Browse tools built to help you plan smarter and stay financially confident in every stage of life.
Navigating Market Volatility
Market volatility makes some investors nervous. Logically, we know markets go both up and down and that reaping the rewards of investing comes with a degree of risk. That’s easy to remember in times of growth, but it’s much harder when market volatility arrives and we feel compelled to take action based on emotions, not logic.
Understanding Required Minimum Distributions (RMDs)
Nearing 73? Don’t let required minimum distributions (RMDs) disrupt your 73rd birthday plans! Help yourself be prepared by downloading this guide.
Strategies to Help Reduce Estate Taxes Through: Gifts, Loans, and Sales
When navigating the complex world of estate taxes, it’s important to consider both the immediate and future impacts.
Guide to Irrevocable Trusts
Irrevocable trusts are used for estate and/or income tax planning, asset preservation, and for control over the disposition and use of funds that were gifted to or inherited by beneficiaries.
Navigating Market Volatility
Market volatility makes some investors nervous. Logically, we know markets go both up and down and that reaping the rewards of investing comes with a degree of risk. That’s easy to remember in times of growth, but it’s much harder when market volatility arrives and we feel compelled to take action based on emotions, not logic.
Strategies to Help Reduce Estate Taxes Through: Gifts, Loans, and Sales
When navigating the complex world of estate taxes, it’s important to consider both the immediate and future impacts.
Guide to Irrevocable Trusts
Irrevocable trusts are used for estate and/or income tax planning, asset preservation, and for control over the disposition and use of funds that were gifted to or inherited by beneficiaries.
Understanding Required Minimum Distributions (RMDs)
Nearing 73? Don’t let required minimum distributions (RMDs) disrupt your 73rd birthday plans! Help yourself be prepared by downloading this guide.
Frequently Asked Questions
We help clients across all stages of wealth make smarter decisions and build plans that evolve with them. Our core services include:
Is this a good fit if I’m earlier in my career or still building wealth?
Yes. We work with individuals and families at different stages of wealth, including those who are actively building assets and planning ahead. If you have meaningful savings, increasing income, or a more complex financial picture, our process is designed to provide clarity and evolve as your goals change over time.
What if I already have an advisor?
That’s completely fine. Many clients come to us for a second opinion or to better understand how their current strategy aligns with their goals. In some cases, we help identify gaps or opportunities. In others, we provide confirmation and peace of mind. There’s no obligation to make changes.
How much does it cost to work with Penmar Wealth Management?
Our fees vary based on the scope of services and the complexity of your financial situation. We believe in transparent pricing and will clearly outline all costs before any advisory relationship begins. The initial conversation is designed to understand your needs and determine whether working together makes sense.
Can I still grow my wealth if I’m already retired?
Yes. For many retirees, the focus shifts from accumulation to creating sustainable income, managing risk, and preserving flexibility. Our approach considers growth, income planning, and risk management together to help support your lifestyle throughout retirement.
Do I have enough savings to retire?
That depends on several factors, including your goals, spending needs, timeline, and how your assets are structured. Our planning process is designed to help answer this question with clarity by evaluating your current resources and mapping them to realistic scenarios, rather than relying on simple rules of thumb.