The stage of life you are in helps determines what our main focus will be:
Here are examples of topics that we cover and the services that go with them:
Financial Planning
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Creation of initial and periodically updated financial plans.
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Development of “what if” scenarios and stress testing.
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Debt management and refinancing options.
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Emergency fund guidance and management.
Retirement Planning
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Consolidation and organization of assets and goals.
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Retirement income planning and projections.
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Monitor the sustainability of resources.
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Pre- and post- retirement budget management.
Investment Planning
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Investments and Performance Analysis.
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Asset Allocation and Rebalancing suggestions.
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Age appropriate Risk Management.
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Socially Responsible Investing.
Social Security and Pension Planning
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Social Security maximization and claiming strategies.
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Pension payout and survivorship analysis.
Estate and Inheritance Planning
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Estate Planning document review and analysis.
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Wealth transfer options and considerations.
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Inheritance planning and tax considerations.
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Special needs planning.
Tax Planning
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Tax management and planning.
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IRA, Roth IRA and tax free considerations.
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70 ½ Required Minimum Distribution (RMD) strategies.
Charitable Planning
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Charitable tax and estate planning considerations.
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Charitable gifting strategies.
Education Planning
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Education funding and investment management.
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Liquidation and distribution of college funds.
Insurance and Asset Protection
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Life, Health and Disability Insurance.
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Long Term Care & Medicaid Planning.
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Liability Coverage.
Reviews and Personal Attention
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Reviews and proactive contact throughout the year.
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We keep track of historical notes and future needs.
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Online account access, reports and financial tools.
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Complementary meetings with parents, children or grandchildren.
Professional Referrals and Joint Assistance
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Referrals to attorneys, accountants and other specialists.
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Attending joint professional meetings and conference calls.