Essential Wealth Planning Areas

• Assess current financial position
• Define future goals
• Are you on track?
• Industry leading financial planning and tools such as Riskalyze and Moneyguidepro

 tinOngoing management of retirement and non-retirement assets

• Full Advisory & Brokerage services available
• Cash management
• Aiming to maximize returns on your guaranteed assets

• Understand your risks -- what risks are you choosing to insure against?
  • Life insurance
  • Disability insurance
  • Long-term care insurance
• Medicare review at age 65

• How to structure college funding - savings, loans, grants, out of pocket
• 529 & other account types
• Potential tax advantages

• RMD planning/tax effect
• Income planning to/thru retirement
• Estate & legacy planning
• Aiming to optimize IRA withdrawal
• Charitable giving
• Estate legacy/inheritance

• Social Security review and filing options
• Pension analysis
• Portfolio withdrawal plans
• Annuities & guaranteed lifetime income options

Beneficiary review

• Assist  with getting documents in place:
  • Will
  • POA
  • Medical directive
  • Trust (if applicable)
• Coordinate with attorney as needed

• Financial consulting for personal & business objectives
• Review of current employer retirement plans--401(k), 403(b), etc.

Assist with addressing needed cash reserves/emergency funds

• Address debt elimination/  optimization and seek to:
  • Minimize debt payback
  • Maximize tax efficiency on interest paid
• Partner with CPA and mortgage professional as neede