Jim Higgins, President of Varga Financial, has been a wealth and insurance advisor for nearly 40 years. His planning approach prioritizes risk management of your money and the mitigation of taxes on both retirement income and estate transfers.
Jim has devoted most of his career to estate planning. Helping clients efficiently plan for potential future estate tax, inheritance equalization, and philanthropic desires. He also has extensive knowledge in bank leveraging strategies that support both retirement funding and future liquidity needs.
He maintains working relationships with tax attorneys and CPAs to effectively implement advanced planning strategies.
Jim is the author of “Whose Money Is It?”, a book about how to establish tax free income for you and your future generations. He is also the co-author of “Tax-Free Benefits for Long-Term Care”. He is currently writing a new book focused on the risk management of personal wealth. risk management of personal wealth.
"Taxes and loss of principal can erode decades of hard work, and we don’t get any mulligans for poor outcomes caused by unnecessary risk with our earned money. Once those assets are set aside and protected, you’re in a better position to take more risk with your additional capital."