Planning

Individual and Family Planning

• Retirement Planning - Retirement planning involves much more than just money. Andrew will try to learn about the lifestyle that you have now, and the lifestyle that you want to live when you retire.
• Estate Planning - There are multiple parts to estate planning. Some include maximizing the amount of money left behind, as well as trying to make sure that you have control over where it ends up.
• College Funding - The cost of higher education has become very expensive to most people, and by planning early, there are some strategies that can help to maximize funding for college.
• Wealth Preservation - Between taxes, declining health, and unexpected surprises, a family can lose wealth very fast. Andrew helps to create strategies that will protect and preserve what you have from both the known and unknown issues that may arise.
• Charitable Giving - For individuals and families that are strongly attached to charitable causes, Andrew will try to maximize the benefits that are provided to charities in your plan.
• Risk Management - Insurance is a great way to manage risk. We are all surrounded with unexpected events that can greatly change our plan, whether it is death, disability, lawsuits, or health problems. There is insurance to help us manage those risks to be better prepared for the future.

Business Planning

• Employee Benefits- Businesses have to continually check the costs of their plans to make sure that they are maximizing profits, and also make sure that they have enough benefits to attract and retain key employees. We can help to establish plans that fit your business and help you and your employees understand what you have.
  
  • 401(k) plans
  • SIMPLE IRA
  • SEP IRA
  • Health Insurance
  • Dental Insurance
  • Lunch and Learn Workshops
• Succession Planning - A large majority of businesses overlook the planning of what happens after the owner is no longer running the business. Is there a plan in place to keep the business going forward? If you are the owner, do you have a successor chosen yet, and if so, do you have an effective exit strategy in place?
• Business Continuation Planning - This is very similar to succession planning. Business continuation planning is concerned with making sure that the business will be able to continue after a disaster or extended disruption.
• Executive Bonus Plans - There are some plans that can be carved out for the executives to receive benefits that do not have to be offered to all the employees of the organization. Proper planning can help the highly compensated employees and executives maximize their compensation.
• Buy-Sell Agreement Funding - Whenever there is more than one owner, it is very important to set up a buy sell agreement, and make sure that it is funded. Many people that take the first step to have an attorney draft a plan never take the next step to figure out how it will actually be carried out if something were to happen to one of the owners. Where will that money come from?
• Key Person Insurance - Many businesses have at least one person that is crucial to helping the business operate on a day to day basis. If you are a business owner, who is your most important person? How would your business be effected if you lost that person? How would it effect your profits? We can help set up a plan so that you will have the cash available to find, hire and train a new person should something bad happen to your key employees.

Andrew Semrau is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through Symetra Investment Services, Inc. 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. 800-469-7667.  Member FINRA/SIPC, Broker/Dealer and an SEC Registered Investment Advisor. Semrau Wealth Strategies is not a subsidiary or an affiliate of Symetra Investment Services, Inc.