


Services
Financial planning can significantly impact your life by providing clarity and direction for your financial. It helps you make informed decisions, ensuring that you allocate your wisely. With a solid financial plan, you achieve peace of mind, knowing that you prepared for the future and equipped to handle unexpected. Ultimately, financial planning empowers you to live the life you envision.
FINANCIAL POSITIONING
Cashing Management
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Cash flow analysis
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Cash reserve management
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Anticipated large inflows/outflows
Debt Management
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Current debt analysis
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Credit ratings
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Access to credit​
Net Worth Analysis
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Asset vs. Liabilities
INVESTMENT PLANNING
Core Investment Strategy
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Risk tolerance
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Asset allocation
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Tax efficiency
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Cost basis analysis
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Diversification
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Investment horizon
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Dollar cost averaging
Additional Considerations
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Education funding
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Options and restricted stock
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Non-qualified deferred compensation
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Market timing issues
RETIREMENT PLANNING
Accumulation Phase
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Qaulified plans including IRAs and 401(k)s
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Savings and investment accounts
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Timing retirement
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Projecting benefits and cash flow
Retirement Phase
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Income transition
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Medicare/Medigap
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Timing Social Security
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Minimum distributions
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Health care coverage
PROTECTION PLANNING
Core Insurance Coverage
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Life
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Disability insurance
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Home and auto
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Umbrella liability
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Medical and health
Additional Considerations
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Beneficiary designations
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Policy loans
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Deductibles vs. cash reserves
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Additional strategies
TAX PLANNING
Tax Strategies
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Tax efficiencies
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Tax deferral
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Effects of liquidations
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Filing status
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Ownership structures
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Tax anticipation
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Qualified vs. non0qualified investments
ESTATE PLANNING
Core Components
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Wills
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Trusts
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Succession planning
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Speical needs planning
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Asset ownership
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Tax efficient legacy planning
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Genreation skipping
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Liquidity needs
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Charitable giving
Education Planning Services
