Anita Kalafut (CFP®)

Anita Kalafut focuses in the
following client markets or areas of practice:

  • College/Education Planning
  • Estate & Generational Planning Issues
  • High Net Worth Client Needs
  • Investment Advice with Ongoing Management
  • Retirement Planning & Distribution Rules
  • Tax Planning

Planning Specialties

We offer a fully integrated Wealth Management Service that includes:

  • Review of Retirement Goals and Multiple Projection Designs
  • Social Security and Pension Benefit Strategies
  • Current and Retirement Cash Flow Planning
    • Tax-Efficient Withdrawal Strategy: We design a client-specific action plan for tax-effectively generating a cash flow stream from a retiring client’s various cash producing resources. Those resources may include pension income; Social Security benefits; taxable, tax-deferred, and tax-free account drawdowns; rental income; or the sale of a business.
  • Investment Analysis, Recommendations, and Portfolio Management via SWA's Asset Location Strategy
    • Asset Location Strategy: We construct client portfolios to improve net-of-tax returns by locating different investments into more advantageous account types (taxable, tax-deferred and tax-free) depending on their tax characteristics and growth potential.
  • Design and Implementation of Multi-Year Tax Minimization Strategies
    • Tax Minimization: We design and execute a variety of tax reduction opportunities including (but certainly not limited to) creating a tax-effective savings plan, strategic Roth IRA conversions, tax-reducing charitable contribution approaches, etc.
  • Leveraging Business Ownership
  • Insurance / Risk Management Review and Recommendations
  • Estate and Charitable Planning
  • Education Planning
  • Mortgage / Debt Review and Strategies

Additional Information

Many advisors claim to offer Wealth Management services but are merely offering investment / portfolio management. If you are not receiving personal attention and customized solutions for all of your financial needs, you are NOT receiving the Wealth Management Strategy you deserve (but may be paying for anyway).

Contact Summit Wealth Advocates today to:

  • GET DIRECTION: SWA will develop financial projections to help you understand your long-term financial readiness and work with you to reach your goals. We will act as a behavioral coach to maintain a long-term perspective.
  • GET CONTROL OF TAXES: No one likes a big surprise bill when filing taxes. We prepare tax projections each year to determine whether you are paying in an appropriate amount along the way. We also manage your investment portfolio with your tax situation in mind to reduce taxable income, where possible.
  • LEARN NEW STRATEGIES: As you move through different stages of life, we’ll help you identify opportunities to save for retirement, buy a house, save for college, prepare your estate, etc. Not to mention that tax laws seem to change every few years and managing through those changes can make a big impact over time.
  • TRIM FEES: Via our passive investment approach, we may be able to reduce the cost of your investments, which can mean more money is working towards your goals.

NAPFA Start Date

October 06, 2020


This Office

2069 123rd Ln NW Coon Rapids, MN 55448-7088 Phone: (612) 720-6146