One Time Services

Each client receives a personal financial plan that is customized to their unique situation. Once all the data is gathered, the plan is presented along with a customized list of action items. Not only do clients receive an overall look at where they are, but also an actionable list to move them toward their financial goals.

• Retirement Feasibility Analysis. Am I saving enough for retirement? Should I fund an IRA or a Roth IRA? How much should I contribute to my employer retirement plan? Can I afford my current lifestyle in retirement? At what age can I retire?
  
  
• Cash Flow & Debt Analysis. Are there areas where I need to reduce my spending? Can I afford to save more or should I redirect my savings to more efficient savings alternatives? What debts should I pay down first? Should I refinance my loan?
  
  
• Assisted Living/Independent Living Feasibility Analysis. Can I afford to move into an assisted living facility? Should I purchase long term care insurance? What type of facility best meets my needs?
  
  
• Tax Preparation and Planning. Do I need to withhold more taxes on my paycheck? Should I contribute more to my 401(k) plan? Are there any opportunities to reduce my income taxes?
  
  
• Estate Planning and Coordination. Do my estate documents reflect my intentions? Should I establish a trust? Am I reducing my exposure to estate taxes? Are my health care directives adequate?
  
  
• Family Risk and Asset Protection Analysis. Do I have enough life insurance? What type of life insurance should I purchase? Do I have enough coverage for homeowners insurance? Should I purchase long term care insurance? What types of riders should I consider on my insurance?
  
  
• Investment Property Analysis. Should I rent my investment property? Am I making a good return on my investment property? Should I consider selling my investment property?
  
  
• Stock Option Analysis. What are the tax implications of selling my stock options? How often should I sell my options? Which options should be sold first?
  
  
• Investment Analysis. How should I allocate my 401(k) plan? Should I change my overall investment allocation? Should I consider owning more bonds in my portfolio?
  
  
• Education Analysis. How much do I need to save for my kid’s college education? Should I invest in a 529 Plan? What types of college savings plans are available to me? Once my kids are in college, what types of tax benefits will I receive?
  
  
• Pension & Social Security Analysis. When should I begin my pension payout? Should I take the single life benefit or the joint survivor’s pension benefit? When should I begin my Social Security payout? Should I delay my Social Security benefit beyond full retirement age?