Wealth Planning

Net Worth

Involves establishing and tracking a client’s net worth with the purpose of increasing the client’s net worth through providing context to help make efficient financial decisions. 

Cash Flow & Debt Planning

Provided advice with respect to cash accounts, financial obligations, and cash management. Tax Consequences and their implications are identified and evaluated.

Investment Planning

Provided advice with respect to investment income and capital accumulation techniques. Evaluations are made of existing investments in terms of their economic and tax characteristics as well as their suitability for meeting client’s objectives. Tax consequences and their implications are identified and evaluated.

Risk Planning

Assessing the risks associated with advisory recommendations based on the proper funding of an emergency fund as well as the combination of insurance types that best meet a client’s specific needs (e.g. life, health, disability, property and casualty, long term care,and business insurance.)

Tax Planning

Includes alternatives and strategies with respect to how tax laws will affect various financial decisions (e.g. pension and benefit strategy, asset allocation strategies,investment purchases or consolidations, among others.)

Estate Planning

Provided advice with respect to property ownership, distribution strategies,estate tax reduction, and tax payment techniques. Including, a discussion of gifts, trusts, etc., and the disposition of business interests. Tax consequences and their implications are identified and evaluated