Scarbrough Financial Group

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Financial Planning Consultants, Accounting Services, Annuities & Retirement Insurance Plans

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(707) 523-7400Call Visit WebsiteVisit Website Map & DirectionsDirections3554 Round Barn Blvd Ste 205Santa Rosa, CA 95403 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	8:00 am - 5:00 pm

Places Near Santa Rosa with Financial Planning Consultants

Fulton (4 miles)
Windsor (11 miles)
Sebastopol (12 miles)
Graton (13 miles)
Forestville (14 miles)

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Email

Extra Phones

Phone: (707) 544-7670

TollFree: (866) 536-7400

Location

Fountaingrove Ctr

AKA

Scarbrough Financial Group LLC

Other Links

http://scarbroughfinancial.com

https://scarbroughfinancial.com/contact.php

Categories

Financial Planning Consultants, Accounting Services, Annuities & Retirement Insurance Plans, Financial Planners, Financial Services, Insurance, Investment Advisory Service, Investment Management, Investments, Mutual Funds, Retirement Planning Services, Stock & Bond Brokers, Tax Return Preparation, Taxes-Consultants & Representatives

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Details

Phone: (707) 523-7400

Address: 3554 Round Barn Blvd Ste 205, Santa Rosa, CA 95403

Website: http://scarbroughfinancial.com

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Scarbrough Financial Group

Tax Planning
Charitable Giving
According to Giving USA, individual “giving while living” makes up 73% of all charitable giving with the vast majority of those donors (75%) being over the age of 45 years old.
Estate Taxes
Tax Services
Scarbrough Financial Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.
Roth IRA
Required Minimum Distribution (RMD) Calculator: When you reach the age of 70 and 1/2, you are required by the IRS to start taking withdrawals from retirement accounts (not including Roth IRAs). This calculator will help you determine what you are required to distribute for the year based on your age.
Tax Deductions
After a donor establishes a donor advised fund, they irrevocably transfer a small percentage of real estate or closely held business shares/interests (typically non-voting interests) into the DAF. The donor may be eligible for an immediate federal tax deduction equal to the Fair Market Value (FMV) of the asset, up to 30% of his adjusted gross income (AGI) with up to a five year carryforward. After the asset has been transferred to the DAF, the client can still be engaged in facilitating the sale of the asset. Once a sale has been completed, the cash proceeds for the portion owned by the DAF would be placed in the fund.
Income Tax
The big question is whether the portfolio can support an inflation adjusted distribution at 3% or 4% over time, and whether the client requires a distribution draw down rate which exceeds these relatively conservative percentages over time. As part of this question, the tax character of the portfolio must be considered. The income tax rates on the portfolio income must be taken into consideration: how much of the distribution is ordinary income vs. qualified dividend income? How much may be planned as capital gains? And, can we blend municipal bonds into the mix to reduce the overall impact of marginal tax and internal expenses?
Capital Gains Taxes
Municipal bonds are subject and market and interest rate risk and potentially capital gains tax if sold prior to maturity. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply.

Investment Management
Jane is the founder and managing principal of Scarbrough Financial Group, LLC. Jane heads a team of advisors and staff, who are dedicated to the prudent stewardship of client assets. Her leadership assures that the clients who entrust their finances to Scarbrough Financial Group receive the guidance they need to plan toward a stable retirement, make efficient use of their resources, and are well positioned to transfer their wealth to future generations. Jane has been active in investment planning and management for over 25 years.
Mutual Funds
With Scarbrough Financial Group by your side, you have access to a breadth of investment solutions from mutual funds to bonds to alternative investments and fee-based investment programs that we can leverage to craft your customized portfolio. You can access your account information via the mobile app and portal 24/7.
Bonds
Wealth Management
Our firm specializes in designing strategies that address complex wealth management issues, such as minimizing tax implications, so you can effectively control the destination and purpose of your wealth.

Accounting Services

Financial Planning
For over 25 years as an investment advisor representative, financial planner and agency manager, Michael has helped clients and advisors create and implement effective financial strategies. Michael’s strength is in understanding his clients’ circumstances, values and goals. His rigorous financial planning process revolves around educating and guiding his clients, whether the focus is on family or business planning.
Retirement Planning
Retirement planning is both broad and challenging. As you age, your plan has to grow with you. It doesn’t stop when you reach retirement; in fact, it has hardly begun. There is complexity and time required in building and maintaining a successful retirement plan.
Annuities
Sustainable income, as an objective, usually relies on the relative stability of an underlying portfolio and a diversified mix of income sources, including bond interest, (taxable or tax free), alternatives, and dividend income. Many clients also incorporate annuities as part of the income portfolio.
Long Term Care
Jane received her Bachelor of Arts degree from Johns Hopkins University. Originally from Princeton, New Jersey, she is a longtime resident of Marin County. Highly athletic, Jane swims and hikes regularly in her spare time, and is an avid supporter of the arts in her community. Additional FINRA registrations through LPL Financial include: Municipal Bond Principal, Options Principal, Financial and Operations Principal. She is licensed to plan for Long Term Care, Life, & Disability Insurances.
Asset Management
The difference between strategic and tactical investment time horizons can be likened to the ebb and flow of tidal patterns in oceans. Strategic investing mirrors the steady rise and fall of the tides, focusing on long-term goals and expectations more stable akin to the predictable rhythm of oceans. On the other hand, investing in tactical time horizons resembles the dynamic nature of changing tides, responding to short-term market conditions like unpredictable surges and waves in the sea. Here we compare and contrast these two distinct processes and recap our recent strategic asset allocation change.
Charitable Remainder Trusts
Charitable Remainder Trusts receive cash property from the donor, make payments for the donor’s lifetime or specified term of years, then distribute the remainder to charity. A Charitable Remainder Annuity Trust (CRAT) pays a fixed dolar amount each year. By contrast, a Charitable Remainder Unitrust (NICRUT) pays an amount equal to a percentage of the trust at the beginning of the each year.
Charitable Lead Trusts
Charitable Lead Trusts receive cash or property from a donor and make payments to charity for a specified period, then distributes the trust property to a designated beneficiary. The gift and estate tax deduction is equal to the present value of the income to charity. When the 7520 rate approaches 4% or lower, lead trusts paying 6% to 8% provide a very significant gift or estate tax deduction.
College Funding
Asset Protection

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