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Is it time to assess your current cash flow, investments, and insurance? Do you need to prepare for your children’s college tuition, a career change, or retirement? Have you recently been widowed or divorced? Are you simply overwhelmed and not sure where to focus? We can help you:

  • Define personal financial goals

  • Clarify financial risks and opportunities

  • Organize your information and questions

  • Develop an effective, attainable financial plan

  • Coordinate plan implementation

  • Reduce unnecessary expenses

  • Gain peace of mind

Topics we may address with you include:

Asset Allocation and Investment Portfolio Review
  • What exactly is asset allocation?
  • What is the right allocation and how often should it change?
  • Can accounts be consolidated for more efficient and cost-effective management?
  • Is the level of risk in the portfolio consistent with the tolerance for loss of value?
  • How have the investments performed versus the risk involved?
Cash Flow Planning and Management
  • How much needs to be saved to fund retirement and other goals? Should savings be segregated by goal?
  • Does current spending reflect current values?
Education Funding
  • How much will college cost and how much should be saved? What impact does inflation have? How do investment returns impact the amount that needs to be saved?
  • What type of investment vehicle should be used to save for college: 529 plan, parents’ accounts, life insurance, UTMA/UGMA? How do 529 plan accounts impact financial aid?
Estate Planning and Asset Titling
  • Are the existing legal documents appropriate for the current situation? Are the fiduciaries identified and choices made still appropriate?
  • What are the appropriate documents to protect family members after death? What is the difference between a will and a trust? Are both needed?
Investment Manager Selection
  • What is the best way to evaluate different managers? Is investment performance always the first consideration?
  • Does it make sense to work with one investment manager or multiple ones?
Multigenerational Planning and Communication
  • Does a parent or loved one need assistance with identifying, organizing, and tracking financial accounts and insurance policies, but they are not comfortable sharing the information with family members?
  • What are some practical ways to communicate more openly with children and grandchildren about earning, spending, saving, and donating?
Planning for Life Transitions
  • Which financial decisions need to be made now and which ones can wait?
  • Is there an optimal way to balance goals and dreams with concerns and fears?
Retirement and Social Security Planning
  • What does retirement look like? Is paid employment required to cover expenses?
  • When should planning for retirement begin?
  • What are the implications of collecting Social Security prior to full retirement age?  Does it make sense to delay benefits until age 70?
  • If married, should both spouses follow the same Social Security claiming strategy?
Risk/Insurance Evaluation
  • What type of life insurance (e.g., term, whole life, variable life, etc.) makes sense? Is the current type and amount of insurance owned appropriate for the situation?
  • What is disability insurance? Is it needed? What is the difference between coverage provided through an employer versus a private policy?
  • When is the right time to consider long-term care insurance? What are the most important considerations in purchasing a policy?
Special Needs Planning
  • How does a child with special needs impact the family’s resources, now and in the future?
  • What needs to be considered when implementing an estate plan?
  • If government benefits will be desirable when the child turns 18, when should planning begin?
Stock Option/Restricted Stock Planning
  • What is the difference between stock options and restricted stock?
  • If one has both restricted stock and stock options, is there a rule of thumb regarding which to sell first?
Tax Planning
  • Are there any strategies, (e.g., employer-provided flexible spending accounts, health savings accounts, qualified retirement plan contributions, pre-paying mortgage payments, etc.) that could be utilized to reduce taxes?
  • Based on current tax law, what do taxes look like during retirement? Can anything be done to reduce that tax burden?