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Client Services

Connect with a Qualified Professional Who Understands Your Point of View

Rebekah J. Fero is a Certified Financial Planner PROFESSIONALTM who gives customized, strategic guidance to clients, and helps bring clarity to complex financial situations. For the past 30 years, Rebekah has offered her financial planning expertise and service to the Charlotte County community. Rebekah’s mission is to connect personally with each client and help you gain a fresh perspective on your financial life, so you feel confident, informed, and supported through life’s challenges. Rebekah’s services include: comprehensive financial planning, wealth management, retirement planning, estate planning, investment planning, risk management, Social Security planning, divorce planning, and healthcare planning along with senior care and health concerns.

A customized financial plan can help you and your family to live the life you envision with confidence.

Here’s how it works:

Income Tax Reduction Planning

  • Comprehensive annual reviews of your federal and state tax returns to maximize tax reduction strategies
  • Distribution Planning for IRAs and 401(k)’s prior to 70 ½ to minimize taxes in later years
  • Annual Roth conversion planning to reduce future income taxes
  • Ongoing communication to your tax professional or CPA to discuss recommendations prior to implementation to avoid unnecessary tax implications
    • We stay up-to-date on new tax laws and strategic planning opportunities that can affect your situation to minimize income taxes
    • Tax Diversification and Planning Strategies are addressed in-depth each year to avoid unnecessary income taxes
    • Review Tax reduction strategies such as HSA’s, itemized deduction bunching, and charitable giving

Qualified Charitable Distributions (QCDs) & Required Minimum Distribution Planning

  • Income planning to reduce or avoid the Medicare Income Related Monthly Adjustment Amount (IRMAA) –which is the extra charge added to your premium
  • Determining the feasibility of QCD’s
  • Strategically satisfying RMD requirements
  • How to save taxes using the QCDs (can increase medical deductions)

Investment Planning

  • Independent Advice and strategies that are based on your written IPS (investment policy statement) and the outcome of one’s financial plan.
  • Design appropriate investment plan, monitor the performance and rebalance the portfolio as needed to keep your allocation model in line with your risk level.
  • Quarterly statements
  • 401(k) asset allocation reviews to avoid over concentration of certain asset classes, between retirement and taxable accounts
  • Development of a coherent investment policy based on one’s time horizon

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction cost and does not assure a profit or protect against a loss. Asset allocation does not ensure a profit or protect against a loss. 

Estate and Wealth Family Planning 

  • Consultations with your attorney to ensure that your documents match your wealth transfer wishes
  • Analysis of your current estate plan and concerns
  • Legacy Planning and development of multi-generational family financial map
  • Review of beneficiary designations on life insurance, retirement accounts, etc. and review other asset titling to be sure they are correct
  • Trust tax planning and implication of transferring assets into your living trusts for proper funding

Retirement & Cash Flow Income Planning

  • Monitoring of one’s annual required minimum distributions at 70.5 and or inherited IRA mandatory distributions.
  • Ongoing annual reviews of income distribution strategies leveraging the current tax system
  • Determining the feasibility of Roth conversions
  • Analysis of annual income now and for down the road

Risk Planning for Financial Catastrophic Events (Asset Protection)

  • Long Term Care Coverage
  • Disability and income protection planning
  • Review for inadequate protection for property losses and liability issues (such as bodily injury or auto insurance)
  • Life Insurance protection
  • Health Care Coverage

**Representatives and Employees of LPL Financial are not attorneys or CPAs and may not give legal or tax advice.