OUR SERVICES: Six Areas of Financial Planning

FINANCIAL POSITION
Cash Reserve Levels & Strategies, Debt & Cash Flow Management, Net Worth, Discretionary Income, Expected Large Inflow/Outflow, Lines of Credit

PROTECTION PLANNING
Disability Options, Long-Term Care Timing/Premium/Coverage, Umbrella Liability, Life Insurance, Medical/Health, Property & Casualty, Deductibles vs. Cash Reserves, Policy Status & Loans, Beneficiary Designations, Special Needs Situations, Coverage Strategies

INVESTMENT PLANNING
Asset Allocation, Education Planning, Lump-Sum Accumulation, Options/Restricted Stock/Non-Qualified Deferred Compensation, Ongoing Investment Fees, Risk Tolerance, Tax Implications, Cost Basis, Diversification Strategies, Cost Averaging

TAX STRATEGIES*
Tax Reductions, Deferral & Avoidance, Tax Diversification, Non-Qualified & Qualified Investments, Effects of Liquidation, Ownership & Non-Traditional Ownership

ESTATE PLANNING*
Capital Transfer, Asset Ownership, Trusts, Wills & Funding, Income in Respect of the Descendant, Succession Planning, Special Needs Dependents, Minor Children, Generation Skipping, Short-Term Life Expectancies, Estate Liquidity

RETIREMENT PLANNING
Minimum Distributions, Pre-59 ½ Strategies, 401(k)s, IRAs, Medicare/Medicaid, Social Security, Income Streams, Stream Transitions, Health Care, Tax & Risk Tolerance Transitions

 

* We will work with your tax and legal advisors to help you select the most appropriate product solution to suit your specific needs and circumstances.