Services Offered

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

• Life insurance needs analysis
  
• Disability income needs analysis
• Long-term care needs analysis

• Analysis of current investments
• Risk tolerance analysis
• Asset allocation analysis
• Investment recommendation analysis
• Investment portfolio development
• Investment strategy tax analysis
• Portfolio rebalancing

• Tax minimization planning
• Social Security tax analysis

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

• 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 liquidity needs analysis
• Beneficiary designations
• Gifting planning
• Charitable giving planning
• Estate tax minimization planning