{"id":28,"date":"2017-08-17T07:45:38","date_gmt":"2017-08-17T07:45:38","guid":{"rendered":"http:\/\/localhost\/Themes\/2017\/Vision\/Website_WP\/index.php\/peter-watson\/"},"modified":"2020-04-28T13:30:19","modified_gmt":"2020-04-28T13:30:19","slug":"team","status":"publish","type":"page","link":"https:\/\/familywealthllc.com\/team\/","title":{"rendered":"Team"},"content":{"rendered":"<div>\n<h1>About<\/h1>\n<div>Meet Family Wealth LLC<\/div>\n<\/div>\n<div>We believe a team approach works best because the complex nature of retirement and estate planning requires very technical and specific expertise. We have our own areas of expertise, but we collaborate with other professionals where our expertise isn\u2019t sufficient.<\/div>\n<div>We have a large network of professionals in retirement plan selection, retirement plan distributions, investment portfolio analysis and management, healthcare and long-term care costs and financing, wills, trusts and life insurance.<\/div>\n<h1>W. Dave Erwin, Jr.<\/h1>\n<div>Advisor. Broker.<\/div>\n<p><img decoding=\"async\" src=\"wp-content\/uploads\/2019\/10\/Dave-Erwin-Jr.jpg\" alt=\"W. Dave Erwin, Jr.\"><\/p>\n<div>\n<p>Greenville, SC<\/p>\n<\/div>\n<p>\n    <a href=\"tel:(864) 551-3259\">(864) 551-3259<\/a>\n<\/p>\n<p>\n    <a href=\"mailto:dave@familywealthllc.com\">dave@familywealthllc.com<\/a>\n<\/p>\n<p>\n    <a href=\"https:\/\/www.linkedin.com\/\">LINKEDIN<\/a>\n<\/p>\n<div>\n<p>With over 35 years of experience in the financial services profession, Dave leads Family Wealth LLC as the firm\u2019s principal advisor and broker. He leverages his depth of knowledge and experience to provide specialized services in the areas of retirement income and risk management, and estate and gift planning. He works with clients in all 3 Seasons of their life- wealth building, wealth distribution, and wealth transfer.<\/p>\n<p>His expertise in these key areas allows him to identify areas of improvement and to recommend more effective strategies to maximize your assets and income. He will analyze the pieces of your financial puzzle and compare strategies and products to improve your results and lower your costs. As your advisor and broker, he will design a plan that makes sense to you and help you implement each part of it.<\/p>\n<p>Dave is a graduate of the University of South Carolina and The American College. He earned an undergraduate degree from the Darla Moore School in Business Administration, and an advanced degree in retirement and estate planning from The American College (Bryn Mawr, PA.) He has 20+ years as a Member of the Society of Financial Services Professionals and has held leadership positions in the local chapters of the Society. He is dedicated to the highest levels of professional education and ethical standards.<\/p>\n<\/div>\n<h3>Areas of Expertise<\/h3>\n<div>Dave leverages his extensive financial background to deliver the tools, techniques and products designed to maximize the wealth of your financial seasons:<\/div>\n<ul>\n<li>\n<p><a href=\"#\">Retirement Income Planning and Risk Management<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"#\">Retirement Plan Selection and Fiduciary Compliance<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"#\">Retirement Plan Distribution Strategies<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"#\">Estate and Gift Planning<\/a><\/p>\n<\/li>\n<li>\n<p><a href=\"#\">Life Insurance and Trust Planning<\/a><\/p>\n<\/li>\n<\/ul>\n<h2>Case Studies<\/h2>\n<ul>\n<li>\n<h3>Downsized Executive and No 10% Penalty Tax<\/h3>\n<div>\n<p><em>ISSUE:<\/em>\u00a0 We worked with an executive who had been downsized at age 50 and his income reduced from $300,000 to $150,000.\u00a0 Obviously, he needed additional income. \u00a0This client had worked for a Fortune 100 company where his 401(k) had accumulated to $750,000.<em>\u00a0<\/em><\/p>\n<p><em>SOLUTION:<\/em>\u00a0 Through our process, we showed him how he could receive income now before age 59 1\/2 and NOT pay the 10% early withdrawal penalty tax. \u00a0As a result, he was able to receive $300,000+ over an 8-year period. \u00a0No one at the Fortune 100 company or within their HR department had told him about the option we showed him that successfully resolved his income issue.<\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Lower Custodial Fees and Taxes<\/h3>\n<div>\n<p><em>ISSUE:<\/em>\u00a0 A self-employed business owner\/commercial real estate agent had $1,000,000 in an IRA administered by a Private Trust Company. \u00a0The IRA was growing at 15% per year with a 1% annual administration fee to the trust company.<\/p>\n<p><em>SOLUTION:<\/em>\u00a0 We showed him how he could withdraw $60,000 per year before age 59 \u00bd to buy a second home on the lake for his dream vacations. \u00a0Our solution also allowed him to reduce the annual administration fee from 1% of the $1,000,000 to .10% of $1,000,000 which resulted in a $9,000 annual savings in fees and lower income taxes in retirement.<\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Lower Life Insurance Premiums and Larger Pension<\/h3>\n<div>\n<p><em>ISSUE:<\/em>\u00a0 A married couple in their late 50\u2019s decided to opt out of their respective employers Group Life Program, but needed new policies that would provide premium savings for them.<em>\u00a0<\/em><\/p>\n<p><em>SOLUTION:<\/em>\u00a0 We introduced private life insurance policies that delivered $100,000 in guaranteed premium savings over a 10-year period.\u00a0 The new policies provided the couple with better protection of wealth and included disability benefits.\u00a0 We also showed the couple how to take a lump sum distribution option from their employer\u2019s defined benefit plan to create a larger private pension benefit with a commercial annuity instead of the pension plan benefit at retirement.<\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Early Retirement with Extra Cash and Maximum Social Security<\/h3>\n<div>\n<p><em>ISSUE:<\/em>\u00a0 A retired, married couple in their late 50\u2019s faced a serious medical issue when the husband experienced a life-threatening illness. He had a large amount of supplemental group life insurance which terminated when he was classified as being totally disabled, unable to work, and eligible to receive Social Security Disability Insurance (SSDI) benefits.<em>\u00a0<\/em><\/p>\n<p><em>SOLUTION:<\/em>\u00a0 On his behalf, we were able to negotiate a $162,500 cash settlement at no cost to him on the group life insurance he was going to lose. \u00a0We designed a retirement income plan to maximize their Social Security benefits and provide a guaranteed lifetime income for his spouse at age 62.\u00a0 No information or personal guidance was offered or provided from his employer\u2019s HR department or from the group life insurance company (Met Life).<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<p><!-- {\"name\":\"\",\"type\":\"layout\",\"children\":[{\"name\":\"Hero \\\/\\\/ Your Most Important 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believe a team approach works best because the complex nature of retirement and estate planning requires very technical and specific expertise. We have our own areas of expertise, but we collaborate with other professionals where our expertise isn\\u2019t sufficient.\"}},{\"type\":\"text\",\"props\":{\"margin\":\"default\",\"column_breakpoint\":\"m\",\"text_style\":\"\",\"text_color\":\"\",\"text_size\":\"\",\"column\":\"\",\"position\":\"\",\"position_z_index\":\"\",\"maxwidth\":\"\",\"maxwidth_breakpoint\":\"\",\"block_align\":\"\",\"block_align_breakpoint\":\"\",\"block_align_fallback\":\"\",\"text_align\":\"\",\"text_align_breakpoint\":\"\",\"text_align_fallback\":\"\",\"animation\":\"\",\"visibility\":\"\",\"content\":\"We have a large network of professionals in retirement plan selection, retirement plan distributions, investment portfolio analysis and management, healthcare and long-term care costs and financing, wills, trusts and life insurance.\"}}]}]}]},{\"name\":\"Vita\",\"type\":\"section\",\"props\":{\"style\":\"default\",\"width\":\"default\",\"vertical_align\":\"middle\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"title_breakpoint\":\"xl\",\"image_position\":\"center-center\",\"padding\":\"\",\"animation\":\"\",\"animation_delay\":false,\"image_effect\":\"\",\"text_color\":\"\",\"width_expand\":\"\",\"height\":\"\",\"header_transparent\":\"\",\"padding_remove_top\":false},\"children\":[{\"name\":\"\",\"type\":\"row\",\"props\":{\"fixed_width\":\"large\",\"breakpoint\":\"m\",\"layout\":\"1-1\"},\"children\":[{\"name\":\"\",\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"media_overlay_gradient\":\"\"},\"children\":[{\"name\":\"\",\"type\":\"headline\",\"props\":{\"title_element\":\"h1\",\"content\":\"W. 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Penalty Tax\",\"meta\":\"\",\"content\":\"\n\n<p><em>ISSUE:<\\\/em>\\u00a0 We worked with an executive who had been downsized at age 50 and his income reduced from $300,000 to $150,000.\\u00a0 Obviously, he needed additional income. \\u00a0This client had worked for a Fortune 100 company where his 401(k) had accumulated to $750,000.<em>\\u00a0<\\\/em><\\\/p>\\n\n\n<p><em>SOLUTION:<\\\/em>\\u00a0 Through our process, we showed him how he could receive income now before age 59 1\\\/2 and NOT pay the 10% early withdrawal penalty tax. \\u00a0As a result, he was able to receive $300,000+ over an 8-year period. \\u00a0No one at the Fortune 100 company or within their HR department had told him about the option we showed him that successfully resolved his income issue.<\\\/p>\",\"label\":\"Case Study One\"}},{\"type\":\"switcher_item\",\"props\":{\"title\":\"Lower Custodial Fees and Taxes\",\"meta\":\"\",\"content\":\"\n\n<p><em>ISSUE:<\\\/em>\\u00a0 A self-employed business owner\\\/commercial real estate agent had $1,000,000 in an IRA administered by a Private Trust Company. \\u00a0The IRA was growing at 15% per year with a 1% annual administration fee to the trust company.<\\\/p>\\n\n\n<p><em>SOLUTION:<\\\/em>\\u00a0 We showed him how he could withdraw $60,000 per year before age 59 \\u00bd to buy a second home on the lake for his dream vacations. \\u00a0Our solution also allowed him to reduce the annual administration fee from 1% of the $1,000,000 to .10% of $1,000,000 which resulted in a $9,000 annual savings in fees and lower income taxes in retirement.<\\\/p>\",\"label\":\"Case Study Two\"}},{\"type\":\"switcher_item\",\"props\":{\"title\":\"Lower Life Insurance Premiums and Larger Pension\",\"meta\":\"\",\"content\":\"\n\n<p><em>ISSUE:<\\\/em>\\u00a0 A married couple in their late 50\\u2019s decided to opt out of their respective employers Group Life Program, but needed new policies that would provide premium savings for them.<em>\\u00a0<\\\/em><\\\/p>\\n\n\n<p><em>SOLUTION:<\\\/em>\\u00a0 We introduced private life insurance policies that delivered $100,000 in guaranteed premium savings over a 10-year period.\\u00a0 The new policies provided the couple with better protection of wealth and included disability benefits.\\u00a0 We also showed the couple how to take a lump sum distribution option from their employer\\u2019s defined benefit plan to create a larger private pension benefit with a commercial annuity instead of the pension plan benefit at retirement.<\\\/p>\",\"label\":\"Case Study Three\"}},{\"type\":\"switcher_item\",\"props\":{\"title\":\"Early Retirement with Extra Cash and Maximum Social Security\",\"content\":\"\n\n<p><em>ISSUE:<\\\/em>\\u00a0 A retired, married couple in their late 50\\u2019s faced a serious medical issue when the husband experienced a life-threatening illness. He had a large amount of supplemental group life insurance which terminated when he was classified as being totally disabled, unable to work, and eligible to receive Social Security Disability Insurance (SSDI) benefits.<em>\\u00a0<\\\/em><\\\/p>\\n\n\n<p><em>SOLUTION:<\\\/em>\\u00a0 On his behalf, we were able to negotiate a $162,500 cash settlement at no cost to him on the group life insurance he was going to lose. \\u00a0We designed a retirement income plan to maximize their Social Security benefits and provide a guaranteed lifetime income for his spouse at age 62.\\u00a0 No information or personal guidance was offered or provided from his employer\\u2019s HR department or from the group life insurance company (Met Life).<\\\/p>\",\"label\":\"Case Study Four\"}}]}]}]}]}],\"props\":[],\"version\":\"1.22.8\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>About Meet Family Wealth LLC We believe a team approach works best because the complex nature of retirement and estate planning requires very technical and specific expertise. We have our own areas of expertise, but we collaborate with other professionals where our expertise isn\u2019t sufficient. We have a large network of professionals in retirement plan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement and Estate Planning, Retirement Income Planning, Retirement Plan Selection, Trust Planning, Financial Advisor, Wealth Manager, Financial Planner | Family Wealth LLC<\/title>\n<meta name=\"description\" content=\"Our team of financial experts work together through a network of professionals in retirement plan selection, retirement plan distributions, investment portfolio analysis and management, healthcare and long-term care costs and financing, wills, trusts and life insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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