Services Offered
Cash Management Planning
Cash Flow Analysis
- Itemization of income
- Earned
- Unearned
- Itemization of expenses
- Committed
- Discretionary
- Calculation of cash reserve and liquidity needs
Net Worth Analysis
- Itemization of assets
- Purchase Date
- Purchase Cost
- Latest Valuation Date
- Current Value
- Calculation of cash reserve and liquidity needs
- Itemization of liabilities
- Current balance
- Current payment amount
- Current interest rate
Debt Management/Structuring
- Home purchase and financing analysis
- Analysis/comparison of debt payoff/consolidation options
Protection Planning
- Life insurance needs analysis
- Disability income needs analysis
- Long-term care needs analysis
Investment Planning
- Analysis of current investments
- Risk tolerance analysis
- Asset allocation analysis
- Investment recommendation analysis
- Investment portfolio development
- Investment strategy tax analysis
- Portfolio rebalancing
Tax Planning
- Tax minimization planning
- Social Security tax analysis
Small Business Planning
Business Cash Flow
- Calculation of liquidity and cash reserve needs
- Business financing needs analysis
- Business ratio analysis
Business Valuation
- Business valuation analysis
Business Tax Planning
- Business income tax analysis
- Business income tax minimization planning
- 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
- Planning against business losses in the event of disability or death
- Planning against loss of a key employee
- Short-term contingency planning
- Planning 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 planning
- Charitable giving planning
- Estate tax minimization planning