Our Services

Retirement Lifetime Income

If you have saved up a large amount of money in taxable retirement accounts like traditional 401(k)s, TSPs, IRAs, etc., you will have to take that money out and pay ordinary income taxes on it every year beginning at age 73 due to IRS-mandated RMDs, or required minimum distributions. There is no grace period to Tax Day on these RMDs; you must proactively take them from the correct accounts in the correct amounts by midnight, December 31 each year, or potentially pay a penalty of 10 to 20%, plus ordinary income taxes owed.

Knowing you will face RMDs, taxes, and withdrawals needed to cover living or emergency expenses, do you know how much can you take out of your taxable accounts without running out of money someday? A 401(k) or TSP is not a retirement income plan! Let’s talk.

Lifetime Retirement Income

At Creutzer Financial Services, we can help you with specific strategies designed to generate lifetime retirement income from your amassed assets, allowing you to keep other investments in the market for long-term growth. And we will work closely with CPAs and accounting professionals to make sure your entire retirement income plan achieves tax efficiency, from both your perspective considering RMDs and withdrawals, and for the next generation you would like to transfer wealth to. (Since the passage of the SECURE Act, taxable accounts like 401(k)s must be emptied by heirs within 10 years, and may throw them into the highest tax brackets, leaving them with less than you hoped.)

Call Creutzer Financial Services to discuss your retirement lifetime income possibilities as part of a comprehensive, personal retirement plan.

Fixed Annuities are long term insurance contracts & there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate & some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees & features & may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks & how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income & if taken prior to 59½, a 10% federal tax penalty.

Services We Offer

Do you have a clear, understandable plan to achieve your financial and retirement goals? Or do you just have a 401(k) or TSP and a bunch of investments in various places trying to “make money?” Recognizing the financial challenges faced today by individuals and families, business owners, pre-retirees, and federal employees, Creutzer Financial Services works with clients throughout America to help you preserve your hard-earned retirement assets in today’s volatile market conditions, and help you enjoy the fruits of your working years after you retire. Ask us for your personal plan, which may include some of these services.

Social Security & Medicare Planning

Lifetime Retirement Income Planning

Investment & Wealth Management

Tax Planning & Preparation Facilitation

Estate & Wealth Transfer Planning

Inheritance Tax & Charitable Giving Planning

Insurance Needs & Policy Analysis

IRA & 401(k) Plan Rollover Analysis and Planning

Asset Protection & Wealth Preservation

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The Creutzer Team

Serving business owners and families throughout Maryland and the surrounding United States
(410) 879-3888

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Individuals & Families

Business Owners

Pre-Retirees & Retirees

Federal Employees

Who We Serve

Our goal is for you is to feel confident, not to worry about your money. We work with each client to create a personal plan that includes long-term savings concepts, tax management & preservation of wealth through our focus on practical, goals-driven financial strategies. At Creutzer Financial, preserving wealth & avoiding unnecessary risk with retirement assets have been our core beliefs and philosophy since we opened our doors. To date, our efforts have helped protect hundreds of families from over-taxation and loss of wealth.

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