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The 3 Step Review can help assure that your retirement and investment plans are focused on your concerns and desires.


The first step of our complete review of your tax return is to determine your current tax situation, identify possible incorrect uses of taxable and tax-deferral strategies, and look for potential missed opportunities for offsetting gains and losses. These strategies may be as simple as selling a stock that has declined in value to offset a capital gain on a mutual fund. Our 3 Step Review can help you implement the correct strategy to potentially lower your taxes. The associates of RB Welborn Financial are not qualified tax professional. You should consult with your CPA or other tax advisor on tax related matters.



The second step, is an income analysis to determine if you are using your income sources properly, and in the most tax efficient method. If you have adequate income to meet your future needs and the ever increasing cost of inflation, which may be different than government quoted inflation rates, as everyone’s rate is different based on what things you specifically spend your money on.



The third step, is a risk analysis to make sure your investment risk exposure is one you are comfortable with, and is in line with your investment allocation strategies. Many investors make poor decisions and their investments under perform or incur losses because they have more risk than they are comfortable with. A simple set of questions we use in our 3 Step Review will help establish what your risk comfort level is, and help you avoid investments that entail more risk than you are prepared to handle.


There is no better time to look forward and take control with a 3 Step Review. Find out if you have problems like phantom income taxation (which is not terribly common) or a wide variety of other tax issues. Are you preparing to sell real estate? Are you concerned about your income stream or lowering your risk level? Have you lost a spouse and now have all the financial decisions to make? Are you retiring or rolling over a large sum of money? Are you selling a business? A complete discovery of what you want your money to do for you is the most important first step.


The benefit of our 3 Step Review is that it applies to any financial decision or concern you have, and it helps you look for ways for the most effective use of all your money and it helps determine that any major financial decision is right for you. In other words, learn what questions to ask before making any financial decision and identify ways to help assure your decisions are in your best interest. Our 3 Step Review will also help determine what your next steps should be or what other areas need review, such as your estate plan, long term care issues, charitable planning, and more.

The associates of RB Welborn Financial are not qualified tax professionals. You should consult with your CPA or other tax advisors on tax related matters. 

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