Services

Retirement Planning

• Evaluate pension plan structures, IRAs, Roth IRAs and qualified plans
• Analyze distribution options for pensions
• Calculate retirement plan benefits, including Social Security
• Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
• Provide Roth IRA conversion calculations and advice

Investment Management

• Consolidate investment paperwork
• Provide 401(k), 403(b) or 457 investment advice
• Evaluate investment alternatives
• Explain investment ideas in a manner that makes it easy to understand
• Provide secure on-line brokerage and stock-trading accounts
• Provide annual asset allocation review and, as needed, account rebalancing
• Conduct semi-annual review of investment statements
• Review your investment strategy to maintain an individualized, high-quality portfolio
• Create and review an investment policy statement tailored to your needs

Emotional

• Provide positive encouragement and motivation for effort and successes
• Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
• Support you through transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
• Encourage you to save and invest
• Evaluate your risk tolerance and help determine your tolerance for loss
• Help you understand the various attitudes toward money and the financial decision-making associated with each of them
• Resolve problems quickly
• Provide friendly and knowledgeable support
• Continue to seek out professional education for myself to better serve you

Economic Analysis

• Provide economic and stock market updates and explain what it means to you
• Help you evaluate the economic news to determine what you should and shouldn’t be concerned about

Education

• Provide investment information with a comprehensive approach
• Keep you up to date with product, service, strategy changes and improvements
• Conduct semi-annual financial review meetings, with calls as needed in between
• Send quarterly newsletters or updates

Goal Related

• Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
• Conduct annual planning evaluations and tracking of goals
• Provide proactive follow up on action items
• Develop, establish and track individual and family goals
• Promote vacation planning and quality-of-life enhancements
• Calculate net worth and review cash flow annually

Employment Support

• Explain how to best utilize employer benefits
• Analyze the economic benefits of employment offers
• Evaluate stock options and distributions as well as restricted stocks

Self-Employment Issues

• Provide small business operational advice
• Evaluate current business insurance and provide options if needed
• Provide referrals to business valuation specialists
• Analyze and business purchase options
• Help you manage retirement plan tracking and maintenance: contributions made, contribution limits, GUST amendments, profit sharing tax forms (5500), etc.
• Analyze current employee benefits and provide options
• Provide information on business transition or succession strategies
• Provide guidance regarding business tax planning

Cash Management

• Evaluate current holdings and look for opportunities to increase returns on cash accounts
• Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity

Liability Management

• Analyze debt structure and organization and assess lending opportunities
• Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs, accelerated payment programs and PMI reduction strategies

Insurance Review

• Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance and look for opportunities for improvement or money savings

Income and Expense Analysis

• Help prioritize your spending and prepare for potential pitfalls
• Look for opportunities for additional savings

Income Tax Issues

• Provide information about tax-planning strategies
• Simplify tax reporting
• Discuss the benefits of optimizing your 401(k), 403(b) or other retirement plan options
• Provide capital gains and loss planning
• Provide information on the benefits of section 125 plans and health-savings accounts
• Help you reduce taxation of Social Security benefits
• Provide a year-end capital gains/loss analysis

Saving for Education

• Research opportunities and help calculate college financial aid programs
• Educate you on the various minor account ownership options: UTMAs, Education IRAs, 529 plans, etc.
• Conduct financial education programs for children

Estate Planning

• Advise on the implementation and proper use of estate planning tools: wills, trusts and/or powers-of-attorney in conjunction with your legal advisors.
• Provide education and guidance on charitable giving alternatives
• Review ownership and beneficiary designations on all accounts

Personal Property Analysis

• Calculate the benefits of purchasing versus leasing a vehicle
• Analyze the economics of a second property or rental property

Miscellaneous

• Analyze the effects of inflation on your goals
• Provide referrals to CPAs and accountants, attorneys, mortgage brokers, and other professional advisors.
• Provide notary services