High integrity financial planning

Irving Planning & Investments, Ltd. is registered as an investment advisor. We offer excellent high-integrity financial planning and investment advice to individual investors, primarily middle income people. We carefully listen to our clients so that we can make appropriate investment and financial planning recommendations to help our clients achieve their goals. We take pride in our service by meeting with clients regularly and promptly returning their phone calls to discuss any financial concerns.

We build broadly diversified portfolios for our clients using qualified investment managers. By rebalancing portfolios on a regular basis and sticking to our discipline, we believe our clients are likely to achieve their investment goals with less volatility along the way.

We make the investment process as simple as possible for our clients.

We maintain the appropriate asset allocation while promptly investing deposits and while making funds available for withdrawals.

We process required minimum distributions from IRA and other tax sheltered accounts annually for clients age 70 1/2 and older so that they may avoid income tax penalties.

We provide quarterly portfolio performance summaries so clients can see how their investment portfolio is performing and we are available to personally review the portfolio quarterly.

We provide our clients and their tax advisors with year end realized gains and losses reports to use to complete and file the federal 1040 and state income tax returns.   

Please note that rebalancing investments may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events will be created that may increase your tax liability.  Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.