About

Career and Personal Highlights:

30+ years in the financial services business

Member of the National Association of Insurance and Financial Advisors (NAIFA)

Career courses in investments; personal and business life insurance; health, social and financial issues for senior citizens; employee benefit and retirement planning; estate planning and taxation; risk management; long-term care; disability income planning.

Acquired Life Underwriting Training Council Fellowship (LUTCF) designation in 1989

Acquired Certified Financial Planning (CFP®) designation in 1998

Experienced in working with businesses and business owners in multiple areas including but not limited to: executive benefits, transfer of ownership, employee benefit and retention products and strategies, tax reduction and avoidance strategies as well as estate planning in cooperation with legal and accounting advisors.

Our process takes clients through a range of discussions that include but are not limited to taxes, qualified and non-qualified plans, mortgages, the accumulation and distribution of assets, and the overall wealth-building process. It explores the effects of “transferred money” and the “opportunity costs” associated with those lost dollars. The system helps clients recognize the importance of maintaining liquidity, use and control of their assets in the new economic climate.

Retirement income planning emphasizes protecting clients from longevity risk, the risk of outliving one’s income. Efforts focus on awareness of options and strategies for retaining gains on earnings while securing a lifetime paycheck. Clients are exposed to strategies for maximizing social security income and minimizing taxes on that income through creative planning and increased awareness of social security income options. Planning addresses long-term care risks, options and opportunities as well as Medicare healthcare options. Estate/legacy planning with a focus on maximizing multi-generational opportunities with unique, easy-to-implement ideas.

* Larry J Mahoney offers investment advisory services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal or accounting advice. Larry J Mahoney is not a registered investment advisor and is not an affiliate of Gradient Advisors, LLC.