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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.