Understand Your Unique Situation and Devise Plans to Meet Your Goals.
Let’s Chat for a Few Minutes to Get Acquainted.
Explore Your Dreams and Aspirations
Establish Meaningful Financial Goals
Organize Your Financial Life – Key Documents Investments, Bank and Insurance – on One Easily Accessible Website with Valuable Charts and Reports
Learn How to Communicate with Your Financial Adviser Using Risk Tolerance, Time Horizon and Financial Objectives
Compare Costs and Fees Associated with Different Investments Types and Investment Managers
Discover that Investment Managers Have Different Styles and Identify One or More That Meet Your Criteria
Discover the Benefits from Investing in a Well-Diversified Portfolio and the Benefits of Engaging Professional Management of Your Investments
Review the Pros and Cons of Rolling Over a 401(K) from a Previous Employer to an IRA
Keep in Touch with Your Adviser, Who Sends a Weekly Financial Updates and Monthly Performance Review
Enjoy Periodic Scheduled Calls Where You Review Your Investment Performance and Make Adjustments
Understand Benefits of Tax-Favored Accounts
Evaluate Complex Financial Products to Assess if They are Right for You
You want answers about where you stand and wonder if you're doing the right things. You don't want to make big mistakes and may need help out of a difficult situation. You get an advisor who will take the time required to understand your situation and provide profesional advice. You get access to Your Personal Financial Portal providing consolidated and updated view of linked accounts, net worth, investments, insurance assessment, cash flow projections, probability of reaching financial goals, secure on-line document vault for plan docs and important documents. Key planning areas: savings, debt reduction, family protection, cash flow projection and growth of assets. Limited investment portfolio review. Investment management services are charged separately. Advisor may earn commissions on insurance products that are implemented, if any.
Your unsure about your invesments and how they match your goals. You're life has become more complex with additional stresses, pressures, life changes or dependents in your life, and you need a sounding board. Includes all Basic Plan features and designed for clients with more complex situations that require significant professional advice and/or investment review. Includes deep analysis and review of alternative options to achieve your financial goals. Typical areas addressed are social security optimization, tax reduction strategies, family governance/conversations, long-term care, annuities, life insurance, account type optimization, and portfolio segmentation to meet goals.
Same plan services as Asset-Based Plan, but fee is charged based on income. The higher of the fee models will be implemented to compensate properly for the plan complexities and depth of the advice provided. This fee model adapts well for clients that are highly leveraged or that are self-employed. Additional planning areas include entity structure, business owner readiness to sell or retire from their business, business valuation and sale, 1031 exchange, strategic cash flow management.
Assistance with asset allocation to maximize financial aid. Advice on school choice in relation to student profile, test scores and overall family financial goals. Review of 529 plans, Coverdell Education Savings Accounts, FASFA, CSS Profile, Parent Plus, Stafford, Private Bank, Direct Subsidized and Unsubsidized Student loans, consolidation loans. Typically three to five meetings, online activities and engagement with various school deans and departments.
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