Broker Check

Financial Planning Roadmap

As part of the financial planning process, you’ll receive a thorough analysis and exploration of your financial situation, followed by the design and implementation of a comprehensive financial plan specifically tailored to your personal objectives, needs, and aspirations.

  • Investment Planning

    • Review of portfolio
    • Asset allocation
    • Time horizon
    • Withdrawal strategies
    • Investment policy statement
    • Tax efficiency
    • Stock concentration
    • Equity compensation
  • Estate Planning & Charitable Giving Strategies

    • Wills
    • Power of attorney
    • Living will
    • Health care proxy
    • Trusts
    • Guardians for minor children
    • Multi-generational planning
    • Estate taxes & reduction strategies
    • Charitable giving strategies
  • Retirement Planning

    • Retirement goal-setting
    • Social Security
    • Medicare
    • Individual retirement accounts
    • Employer-sponsored plans
    • Self-employed retirement plans
    • Annuities & pensions
    • RMDs & withdrawal strategies
    • Probability of success
  • Risk Management & Insurance

    • Review of existing policies
    • Life insurance needs
    • Long-term care insurance
    • Disability income insurance
    • Health insurance
  • Family Assistance

    • Gifting
    • 529 college savings plan
    • Roth IRAs for children
    • Uniform Gifts (UGMA) & Uniform Transfers (UTMA)
      custodial accounts for minors
    • Special needs planning
    • Caring for elderly
  • Cash Flow & Budget

    • Income sources
    • Expenses & budgeting
    • Emergency funding
    • Savings plan
    • Debt management
    • One-time expenses
    • Planned large expenses
    • Mortgage review
    • Lines of credit
  • Income Tax Strategies

    • Review of cost basis
    • Review realized gains
    • Carry-forward losses
    • Tax loss harvesting
    • Deductions & credits
    • Potential Roth conversions
    • Health savings & flexible spending accounts
  • Business Owner Planning

    • Financial summary
    • Valuation estimate*
    • Employee benefits
    • Key employee compensation & retention
    • Business succession planning
    • Gift/sale to family
    • Sale to third party*
    • M&A transactions*

    *Access provided to third-party, unaffiliated resources to assist business owners with exit planning.