Providing professional, Non-Product Specific Advice.

Comprehensive in-depth analysis covering some or all of the following:

• Networth and Cash Flow
• Investment Planning and Allocation
• Risk Management
• Income Tax Planning
• Retirement Planning
• Estate Planning Strategies

Comprehensive in-depth analysis covering some or all of the following:

• Asset Allocation and Rebalancing
• Innovative Risk Management
• Portfolio Enhancements
• Tax Planning Strategies

High level single needs analysis or product specific engagement.

Cash Management

• Cash flow analysis
• Cash reserve management
• Anticipated large inflows/outflows
• Discretionary income

Debt Mangement

• Current debt analysis
• Credit ratings

Networth Analysis

• Assets vs. liabilities

Core Insurance Coverage

• Life 
• Disability income
• Umbrella liability
  
• Employer Benefits
• Health Insurance
• Long-term care

Additional Considerations

• Beneficiary designations
• Policy loans
• Deductibles vs cash reserves
• Additional strategies

Core Investment Strategy

• Risk tolerance
• Asset allocation
• Tax efficiency
• Cost basis analysis
• Diversification
• Investment horizon
• Dollar cost averaging
  
• Education Funding
• Options and restricted stock
• Non-qualified deferred compensation
• Market timing issues

Tax Strategies

• Tax efficiencies
• Tax deferral
• Effects of liquidations
• Filing Status
• Ownership structures
• Tax anticipations
• Qualified vs non-qualified investments

Accumulation Phase

• Qualified plans including IRAs and 401(k)s
• Savings and investment accounts
• Timing retirement
• Projecting benefits and cash flow

Retirement Phase

• Income transition
• Medicare/Medigap
• Timing Social Security
• Minimum distributions
• Health care coverage

Core Components

• Wills
• Trusts
• Succession planning
• Special needs planning
• Asset ownership
• Tax efficient legacy planning
• Generation skipping
• Liquidity needs
• Charitable giving