Family Protection

• Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family

• Financial Emergencies

• Pay medical bills in the event of Illness

• Income replacement lost due to disability

• Maintain a standard of living after the death of a spouse or other loved one

Investment Portfolio Management

• Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market conditions

• An Investment Portfolio Stress test to determine how your portfolio handles market downturns

• Ongoing implementation of an active allocation strategy for proper market exposure and trends.

• Aggregation of all your accounts to simplify and reduce paperwork

• Plan best tax strategy (401k, IRA, Roth, NQ, etc.) to accumulate money in retirement plans

Education Planning

• Establish and project education planning goals for family members

• Determine the best type of education plan for personal circumstances

• Identify current and future costs of education

Tax Reduction Planning

• Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities 

• Evaluating business structure to optimize the benefits of the Internal Revenue code

• Deferring income and/or accelerating expenses at year-end

• Strategies to realize losses or gains through a wide range of allowable actions

Retirement Lifestyle & Income Planning

• Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs and help maintain a comfortable standard of living

• Develop strategy to prevent you from outliving your retirement income

• Determine the best methods and timing for withdrawing retirement income

Charitable Giving

• Help identifying charitable giving opportunities that fit within your value structure and that help minimize tax liability

• Develop a charitable giving plan to be incorporated into cash flow and expense budgets

Family Legacy & Estate Planning

• Involves identifying beneficiaries and what they are to receive both during the client’s life and upon his or her death.

• Provide knowledge about available estate planning techniques and tools

• Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate

• Help determining how property will be transferred at death by means of a will, interstate, contract, trust, and/or operation of law