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Financial Meeting

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

  • Cash flow analysis

  • Cash reserve management

  • Anticipated large inflows/outflows

Debt Management

  • Current debt analysis

  • Credit ratings

  • Access to credit​

Net Worth Analysis

  • Asset vs. Liabilities

INVESTMENT PLANNING

Core Investment Strategy

  • Risk tolerance

  • Asset allocation

  • Tax efficiency

  • Cost basis analysis

  • Diversification

  • Investment horizon

  • Dollar cost averaging

Additional Considerations

  • Education funding

  • Options and restricted stock

  • Non-qualified deferred compensation

  • Market timing issues

RETIREMENT PLANNING

Accumulation Phase

  • Qaulified plans including IRAs and 401(k)s

  • Savings and investment accounts

  • Timing retirement

  • Projecting benefits and cash flow

Retirement Phase

  • Income transition

  • Medicare/Medigap

  • Timing Social Security

  • Minimum distributions

  • Health care coverage

PROTECTION PLANNING

Core Insurance Coverage

  • Life

  • Disability insurance

  • Home and auto

  • Umbrella liability

  • Medical and health

Additional Considerations

  • Beneficiary designations

  • Policy loans

  • Deductibles vs. cash reserves

  • Additional strategies

TAX PLANNING

Tax Strategies

  • Tax efficiencies

  • Tax deferral

  • Effects of liquidations

  • Filing status

  • Ownership structures

  • Tax anticipation

  • Qualified vs. non0qualified investments

ESTATE PLANNING

Core Components

  • Wills

  • Trusts

  • Succession planning

  • Speical needs planning

  • Asset ownership

  • Tax efficient legacy planning

  • Genreation skipping

  • Liquidity needs

  • Charitable giving

Education Planning Services 

Graduating Students
education planning by collegiate financial

College Funding Solutions

as an Educational Consultant for the past decade, I have offered college planning and funding strategies for families to remove financial barriers. I help families identifying ways to reduce their out-of-pocket college costs-without compromising their retirement saving goals.
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110 Allen Road, Basking Ridge, NJ 07920       june.scortino@prudential.com |   Phone 908-705-4015 | Fax 877-840-7179

June Wang Scortino is a Financial Planner with, and offers securities and investment advisory services through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.

 "Prudential Advisors" is a brand name for the proprietary retails' sales channel of The Prudential Insurance Company of AMerica ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professional s are licensed insurance agents of Prudential.

Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors" LPLE and LPL Financial are not affiliated with Prudential.​

Collegiate Financial is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

Collegiate Financial and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.

June Wang Scortino
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