Services

Retirement Planning

• Sustainable withdrawal rate analysis.
• Safe savings rate analysis.
• Social Security strategies.
• Identify optimal distribution strategies for pensions.
• Required minimum distribution (RMD) planning.
• Roth IRA conversion strategies.
• Stock option strategies.
• Net worth and cash flow projections.
• Job/career change guidance.
• Health care planning.

401(k) Account Reviews

• Review current asset allocation and investment options available within each plan.
• Recommend changes to portfolios that is aligned to your specific risk tolerance and goals.
• Review contribution levels and modify if needed to align with your financial plan.
• Integrate with your client portal technology to allow you to see daily updated values.
• Include these accounts within your financial plan.
• Provide ongoing review and rebalancing.

Cash Flow/Budget Analysis

• Review the sufficiency of an emergency fund.
• Income and expense analysis/budgeting.
• Help prioritize spending, saving and avoidance of potential pitfalls.
• How/when to pay off debt.
• Analyze overall debt structure.
• Mortgage financing strategies.
• Employee benefits review.

Insurance Planning

• Evaluate insurance need, amount, type, and duration based on client’s goals.
• Review current life, home, auto, liability, disability and long-term care insurance policies for sufficiency.
• Provide insurance recommendations.

Education Planning

• Develop college savings strategies - 529 Plans/UGMA/UTMA.
• Review contribution levels and modify if needed to align with your plan.
• Evaluate current asset allocation and investment options.
• Recommend changes to portfolios that is aligned to your college savings goals and time horizon.
• Cash flow/timing of withdrawals.
• Integrate with your client portal technology to allow you to see daily updated values.
• Provide ongoing review and rebalancing.

Tax Planning Strategies

• Provide information about tax-planning strategies and integrate with investment recommendations.
• Review tax returns and coordinate with your tax preparer for implementation of any recommended changes.

Estate Planning

• Review estate planning goals and objectives.
• Review current documents such as wills, trusts, and powers of attorney.
• Examine titling, ownership, and beneficiaries strategies.
• Help determine an efficient estate design.