Financial Planning
- Provide a comprehensive financial plan to align your current actions with future goals
- Calculate your current and projected net worth to establish a foundation for planning
- Help manage cash flow, income and spending, now and in the future, in line with your planning goals
- Evaluate your existing insurance coverage and plan comprehensively for additional protection needs
- Offer budgeting tools and consolidated account access to help keep you informed about your finances
- Assign your portfolio a Risk Number to track and maintain your personal risk level*
Retirement Planning
- Provide education on the structure and regulations concerning various retirement planning options
- Analyze your current and future income needs to drive investment decision making
- Develop recommendations in seeking to fund your income needs to help maintain a comfortable life
- Recommend a suitable distribution strategy for your employer retirement plans and IRAs
- Optimize strategies for Social Security payment options
Financial Education
- Host webinars and events to provide up to date information on markets, economics and planning techniques
- Help you evaluate the economic news to determine what you should and shouldn’t be concerned about
Investment Advice and Management
- Evaluate your tolerance for risk and loss to design appropriate investment strategies
- Design and maintain a personalized investment strategies and a portfolio appropriate to your needs
- Collaborate on proper allocation and positioning of funds in retirement plans such as 401(k)s
- Hold regular review meetings to ensure you are on track to meet your goals
- Provide ongoing due diligence and monitoring of investments
- Discuss and present alternative investment strategies for proper portfolio diversification
- Be available for touch base conversations to answer questions and address your evolving needs
Tax Planning
- Comprehensively review your tax situation to highlight opportunities for optimal tax positioning
- Incorporate tax law changes and projections into your planning and investment strategies
- Consult with your tax preparer to make sure all finances and strategies are aligned
Estate Planning
- Review your current estate plan, will, trusts and powers of attorney for concerns and necessary changes
- Assist in asset transfer strategies and beneficiary review
- Provide investment guidance with the appropriate and necessary steps in the event of the death of a loved one
- Assess philanthropic giving strategies through understanding your family goals and charitable values
- Consult with your estate planner to make sure all strategies are aligned
Additional Offerings
- Review education planning and funding strategies to include UTMAs, education IRAs and 529 plans
- Find strategies for executive compensation investments such as restricted or concentrated stock holdings