55 Things We Can Do For You...  

We want to care more about you and your financial well being than anyone who doesn’t share your last name.

Plan Your Financial Future

1. Guide you to think about areas of your financial life that you may not have considered.

2. Help you prioritize your financial opportunities.

3. Help you determine realistic goals, and then map out a plan to pursue them.

4. Think outside of the box for creative alternatives that would help you pursue your goals.

5. Help prepare a financial plan and/or an investment policy statement for you.

6. Determine how to maximize yours and/or your spouse's social security claiming strategy.

7. Review and evaluate your existing life insurance policies and if need be, help you secure the appropriate type and amount of life insurance to protect your family’s future.

8. Suggest & explain multiple options for setting up a company retirement plan.

9. At no additional charge, we can give your friends and family a 2nd opinion or be a sounding board for any financial questions they may have.

10. Help you develop a personal or family financial organizer that will allow you (and/or your family) to know whether everything is (i.e. user names, passwords, policy/account numbers, etc.). 

11. Help you determine what your estate planning goals are and develop a strategy to work towards them.

12. Review your children’s or grandchildren’s custodial accounts, 529 plans, and college funding strategies.

13. Make sure you don't miss an IRA Required Minimum Distribution, help you calculate it, and determine the best withdrawal strategy (i.e. which IRA account to take from and whether or not you should withhold taxes).

14. Remind you of any upcoming important financial dates (such as quarterly tax estimates, etc.).

15. Check with you before the end of the year to identify any last-minute financial planning needs.

16. Determine best methods for funding healthcare expenses after retirement.

17. Leverage our experience to provide strategies and solutions you didn’t even know existed so you can potentially secure more income, reduce expenses, and get the most out of your finances.

18. If there are challenges we know you will be facing, we will be happy to reach out to you proactively to make a plan to address the challenge.

Invest With Confidence

19. Prepare an asset allocation framework so you can attempt to pursue the best rate of return for a given level of risk tolerance.

20. Stay informed on what's happening in the economy and investment world.

21. Monitor your investments and portfolio performance on a regular basis.

22. Review your investments in your company 401(k), 403(b) or 457 plans.

23. Review your existing IRAs and help you get the most out of them.

24. Help determine withdrawal strategies from your assets to justify converting your investments to lifetime income, if desired and appropriate.

25. Evaluate any lending options and mortgage terms should you need them. 

26. Find ways to potentially increase your income during retirement.

27. Help research and determine missing cost basis for your holdings.

28. Implement salary replacement strategies for retirement income needs.

29. Help you understand the risk level that comes with investing.

30. Provide introductions and specialized investment analysts.

Investments

31. Make sure you don't do what your emotions prompt you to do with you investments, which is typically buy high and sell low. 

32. Provide diverse products and strategies that you may not even know exist and help you determine suitability. 

33. Provide you with sound investment research.

34. Provide you with a personal investment analysis.

35. Determine the risk level of your existing portfolio using our advanced risk software.

36. Help you consolidate, organize and simplify your investments for easier record keeping.

37. Provide you with investment research that is relevant and easy to understand.

38. Provide access and perhaps introductions best in class money managers.

39. Show you how to access your statements and other financial information online.

Evaluate Your Tax Situation

40. Help you invest inside each type of account in the most tax efficient manner.

41. Suggest alternative strategies to potentially lower your taxes during retirement.

42. Suggest investments that may help you reduce your taxes, such as tax-free bonds, deferred products, etc. 

43. Collaborate with your tax and legal advisors to help you work towards your financial goals. 

Serve You

44. Monitor changes in your life and family situation and how they can impact your finances.

45. Proactively keep in touch with you on a regular basis.

46. Explain and define any financial terms or concepts you have struggled to understand. 

47. Provide referrals to other professionals, such as accountants and attorneys.

48. Help with generational planning to make sure your wishes and financial plan are honored throughout the generations. 

49. Facilitate the transfer of investments from individual names to trust, or from an owner through beneficiaries.

50. Keep track of your progress in regards to goals, etc.

51. Identify your savings shortfalls and determine ways to address the issue.

52. Identify bad debt vs. good debt and make a plan for reducing the debt in a sensible order. 

53. Function as an experienced sounding board for ideas you are considering.

54. Help you avoid costly mistakes based on fear, rather than education.

55. Be available for you and your family so that you can focus on what really matters.