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Fiduciary Services

Our commitment to you goes far beyond planning your retirement and managing your assets. We look after every aspect of your financial well-being. We help make sure you protect your family with adequate insurance and proper estate planning. We help you foresee tax consequences down the road. We help take on your personal finances and college planning. And we help you take advantage of benefits you can derive if you run a business.

Fiduciary Services

Our commitment to you goes far beyond planning your retirement and managing your assets. We look after every aspect of your financial well-being. We help make sure you protect your family with adequate insurance and proper estate planning. We help you foresee tax consequences down the road. We help take on your personal finances and college planning. And we help you take advantage of benefits you can derive if you run a business.

 Investment Management

  • Asset allocation analysis
  • Risk and reward (risk tolerance analysis)
  • Diversification analysis
  • Investment cost basis research and reporting
  • Investment policy statement development
  • Management of investment portfolio
  • Re-balance investment portfolio, when appropriate
  • Development of funding strategies
  • Importance of saving (dollar cost average, compound interest)

Tax Planning

  • General discussion of deductions and income recognition
  • Answer questions about investment tax issues
  • Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.
  • Required Minimum Distribution (RMD) or 72t calculations and analysis
  • Social security planning
  • Stock option planning

Retirement Planning

  • Retirement needs analysis
  • Retirement plans analysis and education
  • Savings planning to help clients meet their goal
  • Savings strategies

Education Planning

  • Discussion of qualified tuition/college saving plans
  • College costs and inflation analysis
  • Individual needs analysis
  • Provide direction on ownership of assets
  • Financial aid application assistance-FAFSA
  • Gift tax limits and trust usage strategies for education funding

Business Planning

  • Cash flow analysis
  • Analyze business balance sheet, income statement, cash flow statement, pro forma

  • Tax implications of various stock plans – restricted, phantom, SARs, ESPP
  • Non-qualified deferred compensation programs
  • Retirement plan design
  • Assist in the coordination of retirement plan service providers
  • Succession planning
  • Cash management
  • Employee benefits planning
  • Financing strategies
  • Business use of insurance analysis
  • Intra-family and other business transfer techniques

Insurance Planning

  • Insurance gap/needs analysis for life, disability, or long-term care
  • Health care, including Medicare, expense planning
  • Income taxation of life insurance and annuity products
  • Analysis and planning for estate liquidity
  • Planning for policy ownership issues and beneficiary designations
  • Asset allocation, diversification, and securities research for variable life and/or annuities
  • Education on types of insurance

Personal Financial Planning

  • Determining clients’ financial status by analyzing financial statements, special needs, investments, taxation, employee benefits etc.
  • Advice in change of lifestyle or major life event (marriage, divorce, children, job, education)
  • Major purchase goal analysis and funding options
  • Education on mortgage options and financing analysis
  • Creation of personal or business budget
  • Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
  • Explain various components of cash flow (income, taxes, expenses)
  • Debt management strategies
  • Personal financing strategies

Estate Planning

  • Development of objectives
  • Multi-generational snapshot of existing strategies
  • Legal and tax strategies under consideration
  • Financial modeling of alternative strategies
  • Explanation of plans to owners
  • Action plan to implement changes
  • Introduction to Estate Planning Attorney

How can we help?

Drop us a line If you have questions about your retirement, investments, education planning, or anything else regarding your financial health and happiness.