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