More About What We Do

Cash Flow & Budgeting

Income sources
Budgeting: personal & living expenses, planned large expenses - i.e., education, weddings, elderly care, etc.
Debt management
Emergency funding
Mortgage review

Estate Planning

Wills
Power of attorney
Use of trusts
Estate taxes
Charitable giving

Insurance Review & Risk Exposure

Property & casualty
Health
Life
Disability
Long-term care

Investment Planning

Portfolio reviews
Investment policy statement
Withdrawal strategies
Review investments with outside firms

Retirement Planning

Identifying goals
Social security & Medicare
IRA contributions & conversions
Employer-sponsored retirement plans
Required minimum distributions (RMD's)
Withdrawal strategies
Custodial account management - IRA's, UGMA's, UTMA's

Tax Planning

Cost basis
Realized gains
Carry forward losses
Tax loss harvesting
Deductions & credits
Roth conversions
Health savings & flexible spending accounts