Service Outcomes

 

Investment Planning 

Investment planning is the act of coordinating your financial goals with your available investing resources. It is the key component of financial planning designed to maximize your savings and invest them to improve your income.

  • Stock Concentration

  • Review Investments Held Outside of Firm

  • Review of Portfolio

  • Asset Allocation

  • Withdraw Strategies

  • Time Horizon

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Estate Planning and Charitable Giving

Estate planning is the process of thinking ahead and making plans during a person's life for how their estate will be managed and distributed if they become unable to do so or after they die. Simply put, charity giving is giving money, time, or goods to people who need them or are in need, either directly or through a good cause like a charitable trust.

  • Health Care Proxy

  • Trust

  • Power of Attorney

  • Irrevocable Life Insurance Trust

  • Charitable giving and Trust

  • Will

  • Living Will

  • Estate Taxes

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Retirement Planning

Planning for retirement involves preparing for the future so that you may continue to pursue your objectives and fulfill your aspirations on your own. This involves determining your retirement objectives, calculating the number of funds you will need, and investing to increase your retirement resources. 

  • Annuities and Pensions

  • Retirement Goal Setting

  • Business Planning

  • Social Security and Medicare

  • RMD’s and Withdraw Strategies

  • Self Employed Retirement Plans

  • IRA Contributions and Conversions

  • Employer-Sponsored Plans and 401(K)’s

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Risk Management and Insurance

Insurance Risk Management is the process of figuring out how likely and costly events are that could happen in the client's world and need to be paid for by the insurer. It also means being able to spread the risk of these events happening among other insurance companies in the market.

  • Review of Existing Policies

  • Life Insurance Needs

  • Liability Coverage

  • Homeowner’s or Renter’s Insurance

  • Long-Term Care Insurance

  • Disability Insurance

  • Health Insurance

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Cash Flow and Budget

A cash flow budget forecasts cash flows for a certain accounting period, such as weekly, monthly, quarterly, or yearly. The budget serves as a starting point for liquidity analysis. Will your company have sufficient funds to sustain everyday operations in the short- and long-term? A cash flow budget may help you determine the answer.

  • Income Sources

  • Expenses and Budgeting

  • Debt Management

  • One-Time Expenses

  • Planned Large Expenses

  • Emergency Fund

  • Mortgage Review

  • Lines of Credit

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Assistance to Loved Ones

We adopt a creative, intergenerational approach to long-term planning by creating a road map to enable you to offer support to your loved ones.

  • Caring for Elderly

  • 529 College Savings Plans

  • Roth IRA’s for Children

  • UGMA/UTMA

  • Gifting

  • Education Planning

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Income Tax Planning

At its most fundamental level, year-end tax planning focuses on timing revenue and deductions to get the greatest possible tax outcome. This may need delaying income into the next year (and delaying the tax payment on that income) and accelerating deductions into the current year.

  • Review of Cost Basis

  • Review Realized Gains

  • Carry Forward Losses

  • Tax Harvesting

  • Deductions and Credits

  • Roth Conversions

  • Health Savings & Flexible Spending Accounts

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