Services How We Work Our firm specializes in helping individuals develop sound retirement strategies and businesses create reliable succession plans / employer-sponsored plans. Please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being. Investments BondsCommon StockEducational IRATraditional IRARoth IRASEP IRASimple IRABrokerage AccountsTrust AccountsTreasury BillsGovernment SecuritiesTreasury NotesVariable Annuity Insurance Disability Income InsuranceLife InsuranceLong-Term-Care InsuranceBuy Sell Agreements Financial Planning Tax Planning Identifying AMT issuesGeneral discussion of deductions and income recognition Answer questions about investment tax issuesDiscuss statement of personal financial positionAnalyze personal cash flow statementDevelop and/or analyze business balance sheet, income statement, cash flow statement, pro forma statementsDiscuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etcTax implications of various stock plans– Restricted, phantom, SARs, ESPPNon-qualified deferred compensation programsIncome taxation of life insurance and annuity productsInvestment cost basis research and reporting Investment Planning/Asset Allocation Asset allocation analysis (may include use of PRT for analysis or other approved software) Risk and reward (risk tolerance analysis) Diversification analysis Analysis and research on individual securities Investment policy statement development Retirement Planning Retirement needs analysis Retirement plans analysis and education Savings planning to help clients meet their goal 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 72t calculations and analysis Beneficiary designation planning Social Security and Medicare health care cost planning Estate Planning General estate planning and gifting strategiesGeneral estate tax planning and education of trusts and estates – filing requirements, deadlines, etc.General trust planning and education – types, features and taxationExplanation of estate planning structures/documents – wills, POA, Trusts, etc.Explanation of types and treatment of trust income - accounting, taxable, distributableSources of estate liquidity planningOwnership titles and titling of assets planningDiscussing impact of account and trust beneficiary designations Cash Flow/Budgeting Creation of personal or business budgetProvide guidance and analysis on cash flow management, budgeting, and emergency fund planningExplain various components of cash flow (income, taxes, expenses)Savings strategies Debt management strategiesPersonal financing strategiesAnalysis of personal statement of financial position and statement of cash flows Business 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 Discussion of qualified tuition/college saving plans College costs and inflation analysis Individual needs analysis Development of funding strategies Provide direction on ownership of assets Financial aid strategies Gift tax limits and trust usage strategies for education funding Insurance Needs Planning Insurance gap/needs analysis for life, disability, or long-term careInsurance gap/needs analysis for life, disability, or long-term careHealth care, including Medicare, expense planningAnalysis and planning for estate liquidityPlanning for policy ownership issues and beneficiary designationsAsset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record)Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement Personal Financial Planning Determining clients’ financial status by analyzing financial statements, special needs, investments, taxation, employee benefits etc.Stock option planningDiscussion of various mortgage options/real estate purchasesAdvice in change of lifestyle or major life event (Marriage, divorce, children, job, education) Major purchase goalanalysis and funding optionsNet present value calculations for comparison purposes including time value analysis (NPV, FVA, PVA, PVAD)Importance of saving (dollar cost average, compound interest)Education on mortgage options and financing analysisProvide financial guidance/planning for special circumstances including death, disability, job loss, monetary, windfall, divorce, etc. For more information about our firm and the services we offer, complete the questionnaire below. 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