Individual and business retirement planning from our Garden City, NY office. Whether you are just starting out, approaching retirement, or already retired, our advisors guide you through every step.
In conjunction with our accounting and tax services, JRH & Associates provides individual and business retirement planning that helps clients assess current financial demands, plan ahead for retirement, re-evaluate and meet business goals, and better understand their taxes, all to improve quality of life and potential for success.
A comprehensive look at both short and long-term planning allows us to tailor individualized packages that fit specific needs and can be adjusted to meet business and life-changing demands. Services include unlimited consultation, software setup and assistance, sales tax representation, attorney referrals, insurance referrals, business planning, and certified planner referrals. Our trusted advisors guide every client through each step, whether they are just starting, approaching retirement, or already retired.
Start Your Retirement PlanAt JRH Associates, Inc. we encourage people to start their individual retirement account as soon as they feel comfortable investing. Our experienced advisors make sure clients benefit greatly when starting an IRA account, with multiple options available to match your tax situation and goals.
Get StartedPre-tax contributions that reduce your current income, with tax-deferred growth and distributions taxed in retirement.
After-tax contributions that grow tax-free, with qualified distributions taken completely tax-free in retirement.
Simplified Employee Pension IRA for self-employed individuals and small business owners, with higher contribution limits.
Savings Incentive Match Plan for Employees, an accessible retirement plan for businesses with 100 or fewer employees.
Strategic RMD planning to minimize tax impact and ensure full IRS compliance each year beginning at age 73.
A customized withdrawal plan across all your accounts that balances income needs with long-term tax efficiency.
We do not like to lump individual and business retirement needs together. Each has specific requirements, and our advisors treat them accordingly to maximize results for each client.
Establishing and structuring 401(k) retirement plans for business owners and employees, including traditional and Roth options.
Defined benefit pension plan design for business owners seeking maximum annual contributions and guaranteed retirement income.
Flexible profit-sharing plan structures that reward employees, build loyalty, and provide meaningful tax advantages for the business.
We work to educate your employees about retirement plan options so they participate confidently and are prepared for the future.
Coordinating your retirement with the transition of your business, whether passing to family or selling to a third party.
When your situation requires investment management beyond our scope, we refer you to trusted certified financial planners.
Employees are the foundation of a great company. Many of our clients are small to medium-sized Long Island business owners seeking the right retirement options for their teams. We help educate employees and set up the plans that keep great people.
Get StartedYour retirement plan does not end with you. We coordinate with estate attorneys to structure your assets efficiently, minimize estate and transfer tax exposure, and make sure your wealth reaches the people you intend.
Get StartedStrategies to minimize estate tax exposure and preserve generational wealth for your beneficiaries.
We refer clients to trusted estate attorneys and insurance professionals when coordination is needed for a complete plan.
Helping you determine the optimal time to claim Social Security to maximize lifetime benefits based on your full financial picture.
For clients retiring to Florida, we integrate domicile planning with your retirement strategy to minimize New York tax exposure.
Retirement planning clients receive unlimited consultation throughout the year as life changes require plan adjustments.
We work alongside your investment advisor to ensure your portfolio allocation aligns with your tax strategy and retirement timeline.
We recommend starting as early as possible and saving regularly. By saving early and consistently, clients yield significantly higher long-term results. Many people focus on short-term goals like homes and cars, but we encourage small, consistent retirement contributions from the beginning. Others rely heavily on Social Security alone, which is rarely sufficient. Starting early ensures a secure and brighter future.
Many do not begin retirement planning until they are within a few years of retiring. Those within 10 years of retirement are considered pre-retirees. At this stage it is critical to have a clear financial plan, know when the best time to retire is, and understand exactly where your income will come from. JRH works with pre-retiree clients to determine objectives, develop financial plans, and manage their approach toward all goals being met.
Our retired clients have earned their retirement and deserve to live it fully. Once a client retires, we continue reviewing their plan and adjusting it as life events and external circumstances require. Distributions, required minimum amounts, healthcare costs, and estate changes all influence financial plans in retirement, and we stay engaged to manage them correctly throughout.
From young professionals starting their first IRA to retirees managing distributions, we meet every individual exactly where they are and build a plan that works for their life.
Long Island small and mid-size business owners who want to maximize retirement contributions, reduce self-employment tax, and build plans for themselves and their employees.
Clients relocating or splitting time between New York and Florida face unique retirement tax challenges. We specialize in integrating domicile planning with retirement strategy to protect your income from both states.
We learn your current situation, goals, timeline, and what you have in place today.
We build a retirement strategy tailored specifically to your age, income, and objectives.
We help establish the right accounts and coordinate with attorneys, planners, and institutions.
Life changes. We review and adjust your plan regularly to keep it current and effective.
Our Garden City, Nassau County office serves retirement planning clients across Long Island, the tri-state area, Florida, and nationwide. We specialize in clients who split time between New York and Florida.
Our main objective is to set every client up for the ideal retirement plan and ensure a content standard of living for when they do retire. Your first consultation is always free.