Mathew J. Ryan, MBA, CFP®, EA
Financial Planning Specialist
My role as Financial Planning Specialist is to provide support to the Financial Planning and Investment Management teams to ensure all of our clients’ goals and expectations are met through exceptional service. This is accomplished through the preparation of comprehensive financial plans, including, but not limited to estate plan assessment, tax strategies, and social security planning. I also strive to stay abreast of the ever changing financial landscape to ensure that Bedel Financial stays on the cutting edge of changing laws as they pertain to estate transfers, taxes, businesses, etc.
Personal Financial Planning Experience
- Over 5 years experience providing fee-only financial planning and investment management services to high net-worth individuals.
- These services include comprehensive plan preparation entailing estate planning strategies, business trend forecasting, cash flow and retirement planning as well as tax and insurance advice.
- Bedel Financial Consulting, Inc. Financial Planning Specialists
- Four Quadrants Advisory Companies. Financial Analyst/Planner
- Americans Funds [Capital Group Companies]. Senior Marketing Representative
Educational & Professional Designations
- Enrolled Agent
- Certified Financial Professional® certification
- Masters of Business Administration [MBA], Anderson University
- Bachelor of Arts, Finance Major, Anderson University
Tax planning will always be at the forefront of comprehensive financial planning. Taking steps throughout the year can not only ensure you are not faced with a tax surprise at filing time,
Suffice it to say there are ample estate planning techniques to help reduce your gross estate amount before death. Portability can play an important role in your estate planning.
The decision on how to structure your business can be an arduous process. If this process becomes too cumbersome, consider speaking with your financial advisor to get their input and loop in an attorney when needed.
Are changes to the SECURE Act on the way? It is important to be at the forefront of what is on the table so proper due diligence can be taken in advance of any enactment of proposed acts.
When it comes to tax law and estate planning regulations, Congress is, if nothing else, unpredictable. While the Build Back Better bill appears to be dead in its current state, another bill will soon follow, offering up its own set of planning challenges.
Dealing with Medicare-related items can be difficult. If the burden of handling the process alone feels daunting, do not hesitate to reach out and work with your financial and tax advisors.
Invariably, the end goal is to lower the overall value of your estate to limit your estate tax liability. There are several ways in which to reduce your taxable estate.
For those unfamiliar with the Backdoor Roth IRA, this strategy entails making nondeductible contributions to an IRA and subsequently converting those assets to a Roth IRA.
There is always fluidity with tax proposals. However, it is best to have a plan in place for whatever uncertainty may lie ahead. Review your options with your financial and tax advisors.
Running a small business can be extremely difficult. Choosing the right retirement plan can be just as complicated. These retirement plans will allow for the deductibility of any employer contributions you make on the employees' behalf.
As a financial planner, my focus is on helping our clients achieve their goals, which means maximizing every dollar. This requires a complete understanding of the client's current tax situation, foresight on how their taxable income will look in future years, and some educated guessing on where tax rates may be. The goal is to pay as little tax as possible.
It’s unclear when things will be able to return to normal. So, how do you financially plan through periods of absolute uncertainty?