We help people with their money so they can feel safe and happy about the future. Imagine if you had a big jar where you save your allowance. We show families how to save their money smartly, just like filling up that jar. We help them with important things like saving for college, planning for when they get older, and making sure their family is taken care of. Our job is to help families understand how to make their money grow and stay safe!

Pension Maximization:

1 Investment Accounts Management

Investment Accounts Management at Cahill Investments involves overseeing and optimizing your investment portfolio to help you reach your financial goals. We provide personalized strategies tailored to your risk tolerance, time horizon, and financial objectives. Our services include:

1.1 Portfolio Development: Creating a diversified investment portfolio that aligns with your goals.

1.2 Performance Monitoring: Regularly tracking your investments to ensure they are meeting expectations and making adjustments as needed.

1.3 Market Analysis: Keeping an eye on market trends and economic factors to make informed investment decisions.

1.4 Rebalancing: Adjusting your portfolio periodically to maintain your desired level of risk and return.

1.5 Tax Optimization: Implementing strategies to minimize taxes on your investment gains. Our team is committed to guiding you through the investment process, helping you make informed decisions, and aiming to grow your wealth over time.

2 IRA (Individual Retirement Account):

An IRA is a personal savings account that offers tax advantages to help you save for retirement. You can contribute money to your IRA, which can grow tax-deferred until you withdraw it in retirement. There are different types of IRAs, such as traditional and Roth, each with its own tax rules and benefits.

2.1 Eligibility to Contribute: You can open and contribute to an IRA at any age, as long as you have earned income (like wages from a job).

2.2 Withdrawal Age: You can withdraw money from a traditional IRA without penalties starting at age 59½. If you withdraw before this age, you may incur a 10% early withdrawal penalty (with some exceptions).

2.3 Required Minimum Distributions (RMDs): For traditional IRAs, RMDs must begin by April 1 of the year after you turn 73 (as of 2023). Roth IRAs do not have RMDs during the account holder's lifetime.

2.3.1 401(k) Plans

A 401(k) plan is an employer-sponsored retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out. Employers often match contributions up to a certain percentage, which can help boost your retirement savings. The funds in a 401(k) grow tax-deferred until you withdraw them in retirement.

Eligibility to Contribute: Generally, you can start contributing to a 401(k) when you are employed by a company that offers one, often from age 18 or older.

Withdrawal Age: Similar to IRAs, you can withdraw funds without penalties from a 401(k) at age 59½. Early withdrawals may incur a 10% penalty.

RMDs: You must start taking RMDs from a 401(k) by April 1 of the year after you turn 73, similar to traditional IRAs.

2.3.2 Roth IRAs

A Roth IRA is a type of retirement account where you contribute money after taxes have been taken out. This means your money can grow tax-free,

and you won’t owe taxes on withdrawals during retirement, provided certain conditions are met. Roth IRAs offer flexibility, allowing you to withdraw contributions at any time without penalty.

Eligibility to Contribute: You can open a Roth IRA at any age, as long as you have earned income.

Withdrawal Age: You can withdraw your contributions (but not the earnings) at any time without penalty. To withdraw earnings tax-free, you must be at least 59½ and have had the account for at least five years.

Roth IRAs do not have required minimum distributions during the account holder's lifetime.

These accounts and plans are designed to help individuals save for retirement effectively, each with unique features and benefits that cater to different employment situations and tax strategies.

2.3.3 403(b) Plans

A 403(b) plan is similar to a 401(k) but is designed for employees of non-profit organizations, schools, and certain government entities. It allows workers to save for retirement with pre-tax contributions, and the money grows tax-deferred until withdrawal. Some employers may offer matching contributions, similar to 401(k) plans.

Eligibility to Contribute: You can generally start contributing to a 403(b) once you are employed by a qualifying organization, usually from age 18 or older.

Withdrawal Age: You can take penalty-free withdrawals starting at age 59½, similar to IRAs and 401(k) plans.

RMDs: RMDs must start at age 73.

2.3.4 457(b) Plans

A 457(b) plan is a retirement savings plan for state and local government employees and some non-profit organizations. It allows employees to save pre- tax income, which can grow tax-deferred until retirement. Unlike other retirement plans, 457(b) plans often allow for penalty-free withdrawals before retirement age under certain conditions, making them more flexible.

Eligibility to Contribute: Like the others, you can participate once you are employed by a government or eligible non-profit organization, often starting at age 18 or older.

Withdrawal Age: You can typically withdraw funds without penalties at any age if you separate from service (e.g., retire or leave the job). However, if you withdraw while still employed, you may face penalties if you are under 59½.

RMDs: RMDs must begin at age 73.

3 College Planning

We help families save for education through tax-advantaged plans like 529 Plans, Coverdell ESAs, and Custodial Accounts (UGMA/UTMA). We also provide guidance on financial aid, scholarships, and tax credits to maximize savings and minimize debt. Our strategies ensure families are financially prepared for college while balancing other financial goals.

4 Premium Flexible Life Insurance

Offers customizable coverage with adjustable premiums and benefits to adapt to changing financial needs. It combines life protection with a cash value component that grows over time, providing tax-advantaged savings and potential investment opportunities.

4.1 Adjustable Premiums & Coverage – Modify payments and death benefits as financial needs change.

4.2 Cash Value Growth – Accumulates over time and can be accessed for loans or withdrawals.

4.3 Tax Advantages – Potential tax-free growth and withdrawals when structured properly.

4.4. Flexible Investment Options – Choose between fixed interest, indexed, or variable growth strategies.

This policy is ideal for individuals seeking long-term financial security, wealth-building, and legacy planning while maintaining flexibility in their insurance strategy.

5 Real Estate and Tax Planning:

We provide strategic real estate and tax planning to help individuals and businesses maximize wealth while minimizing tax liabilities.

5.1 Real Estate Planning – Guidance on property investments, asset protection, and estate planning to build and preserve wealth.

5.2 Tax-Efficient Strategies – Leverage deductions, credits, and legal tax shelters to reduce taxable income.

5.3 1031 Exchanges – Defer capital gains taxes when selling and reinvesting in real estate.

5.4 Wealth Transfer & Estate Tax Planning – Ensure smooth inheritance transitions while minimizing estate taxes.