Broker Check

Areas of Speciality

Financial Position

Cash Flow Analysis

  • Itemization of income
    • Earned
    • Unearned
  • Itemization of expenses
    • Committed
    • Discretionary
  • Calculation of cash reserve and liquidity needs

Net Worth Analysis

  • Asset and liability list
  • Inventory of personal property
    • Purchase Date
    • Purchase Cost
    • Latest Valuation Date
    • Current Value

Debt Management/Structuring

  • Home purchase and financing analysis
  • Mortgage amortization analysis
  • Mortgage refinance or acceleration analysis
  • Analysis/comparison of debt payoff/consolidation options

Protection Planning

  • Capital needs analysis
  • Human life value analysis
  • Disability income needs analysis
  • Long-term care needs analysis

Investment Planning

  • Analysis of current investments
  • Risk tolerance analysis
  • Asset allocation analysis
  • Specific investment recommendations
  • Investment portfolio development
  • Estimates of tax ramifications of investment strategies
  • Portfolio rebalancing

Tax Planning

  • Tax minimization strategies
  • Social Security tax analysis

Church/501(c)(3) Growth & Development Planning

Divorce Financial Services

Small Business Planning

Business Cash Flow

  • Calculation of liquidity and cash reserve needs
  • Business financing needs
  • Business ratio analysis

Business Valuation

Business Tax Planning

  • Business income tax estimates
  • Business income tax reduction strategies
  • Business operation entity choice review

Benefits Planning

  • Owner’s benefits analysis
  • Key employees’ benefits analysis
  • Group employees’ benefits analysis
  • Business Succession/Transition
  • Business succession planning
  • Business transition planning

Business Risk Management

  • Protection against business losses in the event of disability or death
  • Protection against loss of a key employee
  • Short-term contingency planning
  • Protection against loss of your investment in the business

Education Planning

  • Education goal and savings need analysis
  • Education funding options
  • Financial Aid and Expected Family Contribution Estimates

Retirement Planning

  • Analysis of retirement need
  • Alternative retirement analysis
  • Estimate of retirement income
  • Estimate of retirement expenses and taxes
  • Estimate of retirement cash flow
  • Retirement funding alternatives
  • Rollover/transfer options
  • Pay-out analysis (Lump-sum vs. Pension)
  • Survivor benefits
  • Early Distributions
  • Separately Equal and Periodic Payments (SEPP)
  • Required Minimum Distributions (RMDs)
  • Company-Sponsored Retirement Plans (401(k), 403(b), profit sharing, stock purchase)
  • Government-Sponsored Retirement Plans (457, FRS/DROP, FERS, CRS)

Estate Planning & Conservation

  • Estate liquidity needs analysis
  • Beneficiary Designations
  • Gifting Strategies
  • Charitable Giving Strategies
  • Estate tax minimization strategies

Advanced Needs