Beyond the Financial Plan The plans we develop are dynamic, and are only as good as the extent to which they are monitored carefully and updated over time to ensure that our clients stay on track, and that they make changes in response to current and ever-changing conditions. This is a decision support model of planning, and the need to make decisions that affect our financial security never stops. As such, we see planning as an ongoing effort and not a one-and-done initiative.Through timely updates and regular meetings, our unique fee-based ongoing financial planning program meets a diversity of needs, and offers personal coaching and support—you are not in this alone! Planning fees are time and complexity-based, beginning with an annual review, and moving toward the “family team” concept in which advisers attend to an increasingly comprehensive set of financial, personal, and family details.Our goal is to help keep you and your family safe, informed, and on-track toward meeting your goals.Ongoing Financial Planning Activities(…to each according to their need!)Below is a list of the areas we help address for our ongoing financial planning program clients as needed: Comprehensive Reviews – staying on trackCheck-in with your plan at intervals appropriate to youUpdate information and assumptions for accurate projectionsCompare plan projections to actual resultsJoin in collaborative, creative problem-solvingInvestment strategy creation and reviewInvestment Portfolio X-Ray and analysisComprehensive Performance reviewAsset allocation study, rebalancing optionsComplete Investment Fee audit and fee-reduction optionsEstate PlanningInspecting and remembering details of trusts and willsEstate and Inheritance tax planning and mitigationEstate strategy and document review with your AttorneyBeneficiary designation check-up for life insurance, annuities, IRAsEthical Wills: share your values as well as your wealthRisk Management and Insurance – keeping you protectedInsurance inventory and review – Life, Disability, Long Term Care.Investment risk analysis using computer modelingHealth insurance, Medicare review/optionsProperty and Casualty – are you covered?Tax planning -- opportunities and alternativesTax return review with your CPA (as needed).Tax Loss Harvesting reviewInvestment tax-efficiency reviewHealth Savings Account StrategiesIRA/Roth contribution and conversion planningRetirement Planning and ManagementRetirement income strategy documentation and reviewReview contributions/matches for employer plansRequired Minimum Distribution (RMD) calculation and distribution assistanceReview of Employer Retirement Plans (asset allocation and performance)Planning for pensionsSocial Security planningCash Flow and Budgeting – track and manage your budgetExpense reporting and analysis, budget creationDebt ratios and credit check-upLiquidity/Emergency Fund assessment, managementCash Management optionsStaying Organized – everything in one placeUp to date balance sheet/financial position statementConnecting all accounts to our planning matrixStorage of all important documents in a secure, digital “vault”Paper Management – going paperless, shredding assistanceFamily mattersFamily meeting facilitationFamily education and planning for next generationGifting strategies and optionsFamily relationships and moneyProblem solving, communication strategiesCharitable planningPhilanthropic Plan CreationYear-end giving strategiesCharitable giving vehicles -- Donor Advised Funds, CRTs, etc.Family philanthropic educationCollege funding reviewReview college savings plans: 529’s, UGMAs, etc.Finding new college funding optionsFinancial AidGrandparents and college expense planningExecutive Benefits for Business OwnersUnique opportunities for consultants, professionals, and business ownersCarve-out pension and insurance plans for business owners and executivesEquity sharing optionsBusiness succession planningReal Estate Review Residential property market value/tax assessment reviewExploring Financing options – Re-financing, HELOC, Reverse MortgagesHome improvement considerationsExploring downsizing, buy/rent decisionsIncome property planningMacro/microeconomics—connecting the dotsRecommended articles, books and lecturesRegular e-Newsletters: news and informationInformational lectures and seminars Have a Question? Name Email Phone Question Thank you! Oops!