Effective strategies for your ideal tomorrow.

Tax planning

How your income, investments, stock compensation and insurance products are taxed.

• Identifying AMT issues
• General discussion of deductions and income recognition
• Answer questions about investment tax issues
• Discuss statement of personal financial position
• Analyze personal cash flow statement
• Develop and/or analyze business balance sheet, income statement, cash flow statement and pro forma statements
• Discuss and educate on employee stock options basics, ISOs, NSOs and planning strategies
• Tax implications of various stock plans: restricted, phantom, SARs, ESPP
• Non-qualified deferred compensation programs
• Income taxation of life insurance and annuity products
• Investment cost basis research and reporting

Investment planning and asset allocation

Asset allocation, risk tolerance and diversification, built into an investment policy statement.

• Asset allocation analysis
• Risk and reward (risk tolerance analysis)
• Diversification analysis
• Analysis and research on individual securities
• Investment policy statement development

Retirement planning

Retirement needs, plan choices, contribution limits, RMDs, Social Security and Medicare costs.

• Retirement needs analysis
• Retirement plans analysis and education
• Savings planning
• Contribution limits planning
• Retirement plan choices (IRA, SEP, etc.)
• Employer plans vs. self-directed plans analysis
• Assist in the coordination of retirement plan service providers, product sponsors or vendors as a liaison
• RMD or 72(t) calculations and analysis
• Beneficiary designation planning
• Social Security and Medicare health care cost planning

Estate planning

Gifting strategies, trusts, estate documents, titling of assets and beneficiary designations.

• General estate planning and gifting strategies
• General estate tax planning and education of trusts and estates: filing requirements, deadlines, etc.
• General trust planning and education: types, features and taxation
• Explanation of estate planning structures and documents: wills, POA, trusts, etc.
• Explanation of types and treatment of trust income: accounting, taxable, distributable
• Sources of estate liquidity planning
• Ownership titles and titling of assets planning
• Discussing impact of account and trust beneficiary designations

Cash flow and budgeting

Budgets, emergency funds, savings and debt management for households and businesses.

• Creation of personal or business budget
• Guidance and analysis on cash flow management, budgeting and emergency fund planning
• Explain various components of cash flow (income, taxes, expenses)
• Savings strategies
• Debt management strategies
• Personal financing strategies
• Analysis of personal statement of financial position and statement of cash flows

Business planning

Cash flow, retirement and employee benefits, financing, and succession or exit planning.

• Cash flow analysis
• Retirement strategies
• Succession or exit planning
• Cash management
• Employee benefits planning
• Financing strategies
• Business use of insurance analysis
• Intra-family and other business transfer techniques

Education planning

College costs, qualified tuition savings plans, funding strategies and financial aid.

• Discussion of qualified tuition/college saving plans
• College costs and inflation analysis
• Individual needs analysis
• Development of funding strategies
• Direction on ownership of assets
• Financial aid strategies
• Gift tax limits and trust usage strategies for education funding

Insurance needs planning

Life, disability and long-term care needs, health care costs and policy ownership.

• Insurance gap/needs analysis for life, disability or long-term care
• Health care, including Medicare, expense planning
• Analysis and planning for estate liquidity
• Planning for policy ownership issues and beneficiary designations
• Asset allocation, diversification and securities research for variable life and/or annuities (provided the advisor is not the rep/agent of record)
• Education on types of insurance: term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement

Personal financial planning

Your full financial picture, major purchases and planning for life events.

• Determining your financial status by analyzing financial statements, special needs, investments, taxation, employee benefits, etc.
• Stock option planning
• Discussion of various mortgage options and real estate purchases
• Advice on a change of lifestyle or major life event (marriage, divorce, children, job, education)
• Major purchase goal analysis and funding options
• Net present value calculations for comparison purposes, including time value analysis (NPV, FVA, PVA, PVAD)
• Importance of saving (dollar cost averaging, compound interest)
• Education on mortgage options and financing analysis
• Financial guidance and planning for special circumstances including death, disability, job loss, monetary windfall, divorce, etc.

How we work

A three-part approach to investing

Markets change quickly. Our three-step process keeps your plan ready to adapt.

Who you'll work with

An advisor at an office near you

We meet by appointment at our offices in Florida and Nevada, or by video conference from wherever you are. Every office follows the same three-part process and draws on the same full-service wealth platform.