Planning For a Long Life

Accumulation & Decumulation: facing the financial implications of a long life. Two frequently used terms in any professionally conducted discussion about retirement planning are accumulation and decumulation. The accumulation phase is the pre-retirement period when we work and save for retirement. Upon retiring, decumulation begins. When saving for retirement, the focus tends to be on […]

Splitting Income to Save On Taxes

Our tax system is progressive; your first earnings are taxed little or not at all, and your later earnings are taxed at a higher rate. For couples, the spouse with the highest income can transfer a portion to the other spouse to reduce their total tax bill.

Invest with TWM Group

Our clients and their families typically have a net worth of $2M or more. If you have an amount under the minimum, we still invite you to get in touch with us to discuss your options.

*Please note that TWM Group does not provide investment advice nor do we solicit or share personal information through public forums or platforms such as social media. Please communicate with us only through official channels like email, the client portal or your portfolio manager.