Thomas Ratigan
Wealth Manager
I have been assisting individuals and families since 1993 in the areas of asset protection and financial management and strategies. My teams hold informational seminars regularly in the greater Sacramento area. My approach is to first educate and then assist in the implementation of proper solutions.
Estate Planning – Assisting in setting up trusts, wills, and powers of attorney for wealth protection for the beneficiaries.Income Enhancement /Tax Savings – Lifetime income guarantees and investment strategies to have investment income keep pace with the stock market while having the principal guaranteed on a tax favored basis.
Insurance Solutions – Enabling the estate to pay death and estate taxes for “pennies on the dollar.” ***For high net worth clients ($3M and above) I can provide 100% premium financing for an Indexed Universal Life Insurance policy from several “A” rated companies. This unique financing is provided by major money center banks at extremely attractive low interest rates.
Real Estate Strategies – Working with investors to acquire all types of real estate income properties for tax advantages and both short and long term gains. Excellent returns with minimal risk.