Investment Planning 

  • Evaluate your assets, liabilities and cash flow to determine how you can best meet your financial needs
  • Explain the full range of investment options from annuities, Treasury bills, to life insurance, stocks bonds and mutual funds
  • Develop a plan that meets your financial goals, is consistent with your risk tolerance and has the potential to generate optimum returns during the time you have to invest
  • Provide strategies for managing a sudden financial setback or windfall

Retirement Planning 

  • Review expenses that are likely to be incurred during your retirement and create a plan to eliminate any shortfall between income and expenses
  • Calculate the savings required for you to retire at a specific age and achieve your desired lifestyle
  • Create strategies for preserving and growing retirement account balances and distribution amounts
  • Recommend a diverse range of tax-efficient financial tools-IRAs 401(k)s, investments and tax-sheltered opportunities- that are best suited to your age and retirement frame

Estate and Trust Planning 

  • Review wills, trusts, retirement plans and other estate-planning documents and ensure they remain up-to-date
  • Ability to serve as trustees to trusts
  • Develop a strategy that fulfills your goals while preserving assets for the next generation, reducing estate-tax liability and providing for sufficient liquidity
  • Explain different methods of property transfers, estate-tax rules, the impact of the most current estate-planning legislation and possible future changes in rules and regulations
  • Collaborate with other team members- attorneys, appraisers and insurance brokers, among others- to ensure every issue is properly addressed by the appropriate expert

Tax Planning 

  • Develop strategies you can follow throughout the year to reduce your taxes and advise you on steps you can take to reduce you future tax liability
  • Clarify the latest tax laws, legislation and IRS rules
  • Offer representation before the IRS
  • Provide assistance with IRS and State Tax audits
  • Understand business owners have different needs than individuals or families and help to coordinate business and personal financial goals

Education Planning 

  • Create an investment strategy designed around your financial resources, child’s age and projected educational costs
  • Explain tax credits and deductions that can defray education costs
  • Recommend ways for the student to become involved