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Financial Position
- Cash flow analysis
- Net worth analysis
- Cash reserve assesment
- Discretionary deployement strategies
- Debt management
- Affects of large cash inflows or outflows
- Getting married or divorced
- Adding a family member
- Changing jobs
- Moving
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Risk Management
- Balance between Employer-Sponsored (Group) and individual coverages
- Risk Assessment and Planning: Retain, Avoid, Transfer
- Disability Income Insurance
- Long-Term Care
- Life Insurance
- Medical/Health
- Property & Casualty
- Considerations for deductibles
- Policy loans
- Beneficiary designations
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Wealth Accumulation
- Risk Tolerance Assessment
- Time Horizon
- Asset allocation
- Diversification Strategies: Investment Type, Risk Profile, Time, Tax Status, Fees
- Education Planning
- Options/Restricted Stock/Non-Qualified Deferred Compensation
- Tax management strategies
- Cost basis
- Dollar-Cost Averaging
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Tax Management*
- Strategies for: Reduction, Deferral, Future changes
- Filing Status
- Withholding
- Investments: Qualified & Non-Qualified
- Effects of liquidation
- Exit Strategies
- Business Owners: Balancing business and personal tax considerations
- Business Succession Planning
- Business ownership transition: Buy-Sell, Addressing Risks, Estate issues
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Retirement Planning
- Funding analysis
- Distribution planning
- Social security strategies
- Business owner retirement plans
- Retirement income strategies
- Required Minimum Distributions (RMDs)
- Pre-59 ½ strategies
- 401Ks / Roth 401ks
- IRAs / Roth IRAs
- Catchup provisions
- Medicare/ Medigap
- Roth Conversions
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Estate Planning*
- Federal and State estate considerations: transfers and taxation
- Liquidity
- Legacy planning: charitable bequests, gifting, generation skipping transfer tax
- Inheritance
- Will & Trust considerations
- Succession planning
- Minor children
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*Seek guidance from your professional tax and/or legal advisor before making any decisions.
