King City, Oregon
Financial Services

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To develop a financial plan for your future, it's important for your financial professional to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.

At Garry F. Liday Corporation, we offer or can refer you to professionals providing the following services:
Retirement Planning

It’s not unusual for someone retiring at age 65 to live to age 90 or longer, so consider that you may need to plan for your nest egg to last potentially 25 to 30 years. Retirement planning involves more than just an investment portfolio, it requires a comprehensive assessment of all potential income sources now and into the future, not just for you but your spouse and other family members.

To help you better manage risk, both in today’s market and to economic-proof your portfolio for the future, you should work with a professional to carefully consider the optimal financial asset allocations that best suit your financial objectives and situation.

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Wealth Accumulation

Historically, at retirement investors would transfer their portfolio into conservative investments or savings accounts to avoid market risk. However, because of today’s rise in health care expenses and longer life expectancies, it’s more important than ever to include a growth component in your retirement income plan.

For your retirement income to outpace inflation and last your lifetime, you may need to include an allocation for ongoing growth opportunity in your financial plan. After all, if you’re planning to spend down your nest egg by withdrawing a percentage of income each year, your growth rate will need to be higher than your withdrawal rate to keep your portfolio growing.

The conventional wisdom of moving to more conservative investments during retirement still holds. What has changed with more recent research is the need to keep a portion of assets invested in the market during retirement to help achieve long-term growth opportunity. By exploring additional sources of guaranteed retirement income, you may have the confidence to invest other assets more aggressively to outpace inflation.

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Asset Protection

When it comes to planning for your future and managing income and investment risk to provide for your family, many of today’s life insurance options are designed to address multiple needs in one contract.

A carefully structured life insurance strategy can provide a strong risk management component to your protect the wealth you have accumulated as well as emergency cash during your lifetime.

Diversifying your assets across a range of investment and insurance options may help you meet your goals while providing a conservative plan to protect your assets as you accumulate more.

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Tax Planning

As a result of The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, investors enjoy more planning options than in recent years. Right now, you can position assets to take advantage of historically low income tax rates and new wealth transfer opportunities.

Potential strategies available in 2011 and 2012 include accelerating income in a single tax year to take advantage of lower rates, or leveraging lifetime gifts via a trust in your estate plan to better position assets as life insurance proceeds.

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Long Term Care

Medicare pays for acute care, but not long-term residency. Medicaid will pay for long-term care, but it requires that you spend down your wealth before coverage kicks in. Long-term care insurance (LTCI), on the other hand, offers more flexibility and a viable choice for seniors still enjoying good health and relative wealth.

LTCI is designed to help people pay for short- or long-term care and housing costs at an assisted living facility, nursing home, or even in your own home. The best time to buy a policy at lower rates is around age 55. However, late is better than never, because an LTCI policy can make the difference between institutional care and something far more comfortable, flexible, and personal.

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Estate Planning

If you inherit an IRA or 401(k), you may want advice to meet regulatory criteria regarding required minimum distributions. There are also a myriad of considerations for managing money and property to ensure your own wishes are carried out after you pass away. This may involve preserving assets or minimizing taxes through charitable giving.
The vehicles for estate planning and implementation process can be rather complex. Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with an experienced estate planning professional who stays current in this field and advises clients on a day-to-day basis.

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IRA Legacy Planning

With many Americans working later—often into their 70s—fewer need to tap IRA assets for retirement income. IRA accounts have become one of the largest assets that many individuals pass on to their beneficiaries when they die. But because the focus of an IRA is on tax-deferred growth for retirement, you may not have considered the estate-planning steps you can take to reduce the taxes that your beneficiaries will have to pay.

A properly structured IRA may provide your beneficiary(ies) a regular stream of income while allowing the balance of IRA assets to remain invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiary’s lifetime. We can help you evaluate your financial scenario to determine if IRA legacy planning may be the best means for ensuring a long-lasting inheritance for your heirs.

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Incorporating a trust into your estate plan can provide a flexible and advantageous means to transfer wealth to your heirs. A trust can provide tax deferral and deduction benefits, and will avoid probate upon your death. To learn more about trusts and how they may benefit you, consult a qualified estate planning attorney that specializes in these matters. >>Back to top

Life Insurance

The life insurance industry has evolved over the last thirty years to reflect the changing roles of men, women, and families in our culture. Some of the newer insurance options are uniquely designed to address the needs and concerns of today’s generation, including investment options that avoid traditional challenges such as contribution limits, early withdrawal tax penalties, income and capital gains taxes, and mandatory and convoluted distribution plans.

Help simplify the path to accomplishing multiple goals by applying a comprehensive life insurance strategy. First, meet with your advisor to determine a lifetime insurance strategy that is right for you, your family, and your financial situation. Next, you and your advisor can structure affordable premium payments relative to the death benefit you desire.

As far as the various types of policies go, they can generally be placed into one of two categories: Term and Permanent. With Term Life, the benefit is payable only if the insured dies during a specified time period. With Whole Life, the insurance remains in force throughout the holder’s lifetime, provided premiums are paid as specified by the policy. Whole life insurance may also include an element for accumulating growth (called the cash value).

Learn more about the insurance options now available. A carefully constructed insurance strategy can provide you with a lifetime plan for financial success. >>Back to top


Probate, or “intestate,”  is the public process in which your assets are transferred upon your death. If you do not create a will or set up a trust to transfer your property when you die, state law will determine what happens to your estate—and this can be a long and potentially expensive process.

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Charitable Giving

Charitable giving allows you to benefit from an income tax deductions, avoid capital gains on highly appreciated assets, and avoid estate taxes on charitable contributions upon your death.

As a result of The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, assets designated for charitable donations may be positioned to take advantage of historically low income tax rates and new wealth transfer opportunities. >>Back to top

Income Planning

The difference between retirement planning and retirement income planning is that the objective of the former is to grow assets. A retirement income plan, on the other hand, is specifically designed to grow assets during retirement using a risk-managed strategy and then distribute those assets through an automated, disciplined strategy in order to ensure your assets last as long as you—and your spouse—live.

We can help you create a retirement income plan that incorporates elements of insurance and other retirement income vehicles to provide the potential for growth and reliable income for the future.

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IRA & 401(K) Rollovers

Once you’ve accumulated a nest egg for retirement, the trick is converting it into an income stream that will last the rest of your life. When you leave an employer, you have several options for 401(k) plan assets:
  • Leave the money where it is
  • Take a cash distribution (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if your plan allows)
  • Roll the money over to an IRA
 Rolling money over from one qualified plan to another qualified plan enables it to continue growing tax deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and the best vehicle to help conserve and grow your rollover assets. >>Back to top

Neither the Company nor its agents or representatives may give tax, legal, or accounting advice. Individuals should consult with a professional specializing in these areas regarding the applicability of this information to his/her situation.