Asset Allocation and Wealth Accumulation:

• Retirement and investment vehicles (liquid and non-liquid)

• Current and projected rates of return. 

• Analyze all data in relationship with inflation. 

• Inspect asset allocation.

• Discuss proper diversification for the client’s “sleep factor”

• Avoid “too many eggs in one basket”.

Business Planning:

• Strategic business planning procedures

• Employee benefits, executive compensation, and tax planning for the business owner. 

• Retirement income, the protection of income, the transferring of your business, and estate conservation.

Cash Flow Management:

• Differentiate between what you think you spend and earn vs. what actually may be occurring.

Company Benefits:

• We compare company benefits. 

• Retirement plans, cafeteria plans, thrift plans, insurance options available (disability, group life, health, dental, vision, etc.) 

• Calculations may occur when a client is scrutinizing whether or not they should change employment or employers or they just need to know “what they have”.

Estate Planning:

• Titling of assets to maximize the unified credit.

• Wills, advanced directives, powers of attorney, trusts.

• Estate tax reducing concepts.

Financial Aid:

• Teach which institutes of higher learning may offer loans and/or grants and in what amounts. 

• Tax returns, positioning of assets and liabilities, current income for you and your child. 

• College funding programs are devised. 

• Put you in touch with experts at matching your child with a specific college.

Income Tax Planning:

• Earned income.

• Adjustments to income.

• Itemized deductions.

• Charitable deductions.

• Observe the effects of inflation.

• Tax return schedules. 

• Search for credits and deductions you may have missed. 

• Aim to cut taxes

• Calculate your expected tax liability for the next few years. 

• Estimate state tax liabilities based on your business travel time.

Liabilities:

• Examine interest rates, debt to income ratios, and the use or “abuse” of home equity.

Life Insurance:

• Research the type, amount, premium, ownership, needs and amendments on your group, business, and personal life insurance contracts. 

• Proper and creative uses of these policies.

• Cost reductions.

Mortgages:

• We recommend mortgage brokers to assist in refinancing.

• Personal, investment, and business loans.

Property/Casualty Insurance:

• Personal and business property/casualty and umbrella coverages. 

• Liability limits, endorsements, riders, and deductibles.

Retirement Planning:

• Annual income needs during retirement.

• Calculate company pension benefits.

• Social security.

• Maximize the benefits of your company pension.

Social Security:

• We listen to your “feelings” on social security and share ours.