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Plans are nothing; planning is everything.
- Dwight D. Eisenhower
Our client relationships begin with the development of a formal financial plan customized to our client’s needs by selecting from the areas listed below.
Foundation Review
- Identification of current and projected financial planning issues
- Clarification of immediate, mid-term and long-term financial goals
- Delineation of constraints and assumptions
- Attitudes and risk tolerance evaluation
- Review of net worth & asset allocation
- Recommendations for cash flow accounting or provision of system, if appropriate
- Document organization and filing system
- Financial Planning Notebook
- Advisor Coordination
- Review of other special needs or analysis impacting current circumstances
Insurance Planning
- Review existing insurance policies
- Determine requirements by need analysis
- Identify insurance resources & alternates if appropriate
- Identify potential insurers & relevant policies
Tax & Cash Flow Planning
- Assistance in compiling current & retirement expenses
- Evaluation of college funding
- Review of tax reduction opportunities
- Detailed pre and post retirement tax, cash flow and net worth forecasts
- Tax averaging vs. IRA rollover analysis
- Strategies to minimize taxes inherent in deferred retirement plan including net unrealized appreciation analysis.
- Review and recommendations for pension & social security choices
- IRA distribution analysis
- Roth IRA conversion and/or contribution recommendations
- Retirement cash management strategies
- Major asset acquisition & sales analysis
- Identification of major strengths and weaknesses
Investment Planning
- Second opinion investment research & recommendations
- Development of formal investment policy statement
- Asset allocation recommendations
- Specific portfolio recommendations and implementation strategies
- 401(k)/403(b) retirement plan allocation and investment choice recommendations
Estate Planning
- Estate document audit/recommendations
- Estate protection strategies including life and long term care insurance applications
- Review of applicability for disclaimer wills and/or inclusion of other trusts for effective estate management
- Review of beneficiary designations
- Review of account ownership
We ask those who are interested in learning more about our services to answer some questions about their current situation and to share some personal information about their goals. Click here to get a copy of the Questionnaire.
Once we receive the questionnaire, we will call to schedule a meeting at a time that is convenient for you.
Making sound investment decisions is not an easy task. We believe that following specific, well-defined steps will significantly increase the odds of building and structuring an investment portfolio that will withstand the test of time. We believe that superior investment returns are a result of developing a prudent process or strategy, and then sticking with it. Our process incorporates both modern investment portfolio theory and management techniques that have been followed for many years by experienced, successful investors.
Not too long ago retirement meant being given a gold watch and then quietly living out one's remaining few years with family. But changing life-styles, increased longevity and improved expectations have drastically altered the nature of retirement. Today, people anticipate active, vibrant retirements in which they enjoy life and economic self-sufficiency. They see retirement not as a short final phase of life, but as a reward phase of life -- the icing on the cake. What's more, a significant percentage of the population has become increasingly interested in achieving the financial independence currently associated with retirement. Put another way, the so-called graying of America has resulted in a maturing retirement planning movement.
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