Planning Services
+ Pre-Retirement Planning (Pre-Retirement)
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Retirement Income Forecasting
- Social security optimization
- Pension analysis
- Severance package / Non-qualified plan analysis
Employee Benefit Plan (401k) Analysis and Optimization
- Contribution amount analysis
- Employer contribution and vesting analysis
Tax Sensitivity Analysis
- Minimize tax on investments (Low turnover, long term gains and qualified dividends)
- Maximize deductions
- Provide “proper investment placement” recommendations
- Team with CPA to optimize taxation
Asset Protection Analysis
- Income replacement
- Property protection
- Liability protection
+ Retirement Income Plan Implementation (At or Post Retirement)
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- Determine income needed in today’s dollars
- Determine sources of income and amounts
- Analyze distribution options for pensions
- Calculate retirement plan benefits, including Social Security
- Calculate IRS required minimum distributions and educate on regulations
- Educate on how the timing of retirement will affect your retirement lifestyle
- Provide Social Security analysis and optimization
- Provide stress test analysis of income portfolio
- Provide a strategy for inflation adjusted “sustainable Income” during retirement
- Update financial projections to monitor the effect of stock and bond markets, changes in cash flow needs, risk tolerance and other variables
- Determine income needed in today’s dollars
Advanced Planning Services
+ Estate and Legacy Planning
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- Advise on the implementation and proper use of estate planning tools: wills, trusts or powers-of- attorney
- Review asset protection strategies
- Review/ Advise on medical powers, HIPPA and power of attorney
- Referral to attorney's for document drafting
- Assist estate planning attorney with financial planning data
- Annual Will and Trust review/update
- Provide education and guidance on charitable giving alternative
Investment Management Services
+ Discretionary Investment Management Planning
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- Macroeconomic Analysis
- Microeconomic Analysis
- Sector Strength / Weakness Analysis
- Investment component evaluation and selection
- Tracking accuracy, Expense ratio, and performance to benchmark analysis
- Constant performance monitoring to portfolio benchmarks
- Tax efficiency analysis (low turnover, long term gains and qualified dividends)
- Replacement/Reallocation and rebalancing as needed
- Quarterly net performance reporting
+ Investment Management “Assets Held Away”
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- Align assets with your investment strategy
- Quarterly evaluation of all assets and options
- Asset classification and allocation
- Performance relative to goals, peers and benchmarks
- Internal expense ratio evaluation
- Tax efficiency analysis
- Quarterly asset allocation adjustments
- Quarterly Progress Review