Family Protection
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Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family
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Financial Emergencies
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Pay medical bills in the event of Illness
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Income replacement lost due to disability
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Maintain a standard of living after the death of a spouse or other loved one
Investment Portfolio Management
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Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market conditions
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An Investment Portfolio Stress test to determine how your portfolio handles market downturns
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Ongoing implementation of an active allocation strategy for proper market exposure and trends.
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Aggregation of all your accounts to simplify and reduce paperwork
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Plan best tax strategy (401k, IRA, Roth, NQ, etc.) to accumulate money in retirement plans
Education Planning
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Establish and project education planning goals for family members
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Determine the best type of education plan for personal circumstances
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Identify current and future costs of education
Tax Reduction Planning
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Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities
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Evaluating business structure to optimize the benefits of the Internal Revenue code
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Deferring income and/or accelerating expenses at year-end
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Strategies to realize losses or gains through a wide range of allowable actions
Retirement Lifestyle & Income Planning
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Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs and help maintain a comfortable standard of living
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Develop strategy to prevent you from outliving your retirement income
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Determine the best methods and timing for withdrawing retirement income
Charitable Giving
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Help identifying charitable giving opportunities that fit within your value structure and that help minimize tax liability
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Develop a charitable giving plan to be incorporated into cash flow and expense budgets
Family Legacy & Estate Planning
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Involves identifying beneficiaries and what they are to receive both during the client’s life and upon his or her death.
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Provide knowledge about available estate planning techniques and tools
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Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate
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Help determining how property will be transferred at death by means of a will, interstate, contract, trust, and/or operation of law