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

• 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

• 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

• 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

• 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