Comprehensive Management and Planning Services
Wealth Management
- Review of your current investments in all accounts, including 401(k)s
- Determine investment strategy
- Implement required transfers and trades (via TD Ameritrade)
- Regularly rebalance accounts
- Continually monitor accounts
Retirement
- Explore your goals and dreams for retirement
- Craft financial plan to show how much needs to be saved during earning years and how much can be spent in retirement to provide for your goals
- Continually monitor and update plan to make sure you are on track to realize your goals
Social Security
- Determine optimum time for social security payments to begin based on your unique situation
Tax Strategy
- Determine tax saving strategies under new tax law
- Tax efficient investments and opportunistic tax-loss harvesting
- Determine if Roth conversion is beneficial
- Tax reducing strategies for sale of highly appreciated assets such as real estate
- Work in collaboration with your CPA to strategize for your unique situation
Insurance Planning
- Review your existing policies to determine if you are adequately covered
- Identify insurance gaps such as umbrella, disability, and long-term care
- Look for cost saving opportunities with insurance planning
- Network of professional insurance referrals for any insurance needs
Estate Planning
- Discuss the core estate planning documents and provide referrals to estate attorneys as needed
- Strategize with your estate attorney about your specific situation
- Review beneficiary designations and update as needed
- Discussion of who trusted family member or friend would be in the event of incapacitation. Include trusted person in meetings if appropriate
- Maintain copies of estate planning documents to be additional resource if they are needed
Education Funding
- Create plan to determine how much needs to be contributed, and how the funds should be invested, to provide for college expenses for children or grandchildren
- Discuss tax appropriate ways to save for college, such as 529 plans or prepaid tuition plans
Charitable Planning
- Discuss most tax beneficial ways to donate to charity for those who are charitably inclined such as:
- Highly appreciated stocks
- Donor-advised funds
- Charitable Remainder Trusts
- Qualified Charitable Distribution
Independent Referral Platform
- No referral fees
- Certified public accountants
- Legal and trustee services
- Insurance agents
