Products & Services

The services provided by Menninger & Associates are based on the fundamentals of financial planning. We focus on the process of financial planning, and can offer a variety of financial products that are suitable for our clients' needs. Additionally, as independent advisors and consultants, we are neither bound nor encouraged to use any specific products.  

Services

Our services are designed to help you answer the following questions:

- How much money will I need to live comfortably in retirement?

- How do I maximize income tax efficiency?

- How can I get more from my investments?

- How can I reduce my exposure to risk?

- Am I saving enough?

- What is the best way to save for college?

- How can I help reduce estate taxes and preserve more of my assets for my heirs?

- Do I have the right amount of life insurance?

 

*To answer these questions and any others posed by our clients, we begin by evaluating the following areas of financial planning. 

 

Cash Management

  • Review of income sources
  • Set goals and manage expenses
  • Debt management
  • Emergency Funding
  • Mortgage review

Retirement Planning

  • Retirement Goal Setting
  • Social Security analysis
  • Review of employer plans
  • RMDs and withdrawal strategies
  • Coordinating social security, pensions and other sources of income

Estate Planning

  • Wills and trusts
  • Beneficiary review
  • Preserving family wealth
  • Minimizing tax liabilities
  • Charitable giving

Insurance Planning

  • Review of existing policies
  • Life insurance needs analysis
  • Long term care insurance analysis
  • Disability insurance analysis

Investment Planning

  • Review of portfolios
  • Time horizon planning
  • Asset allocation and diversification
  • Develop tax-efficient solutions
  • Withdrawal strategies

Tax Planning Strategies*

  • Tax sensitive investing
  • Tax loss harvesting
  • Potential Roth conversions
  • Tax return review
 

Products

Investment Products

  • Money Markets
  • Treasury Bills, Notes and Bonds
  • Stocks
  • Bonds (Taxable and Tax Free)
  • Mutual Funds
  • REITS (Real Estate Investment Trusts)
  • Limited Partnerships
  • Annuities (Fixed and Variable
  • IRAs, SEP IRAs, Roth IRAs
  • Retirement Plans (401Ks, DC and DB Plans)
  • 529 College Savings Plans (Separately Managed Accounts)

Insurance Products

  • Life (Individual and Group) insurance 
  • Annuities (fixed, variable, immediate, and indexed)
  • Disability insurance
  • Group life, health, and disability insurance
  • Long-Term Care Insurance
  • Private Pensions
  • Key Person Insurance

* Neither Voya Financial Advisors nor its representatives provide tax or legal advice.  Please consult with your tax and legal advisors regarding your individual situation.