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Income Tax Planning
- Tax Return Analysis
- Tax Bracket Management
- Cost Basis Review
- Low-Basis Security Transition
- Gain/Loss Coordination
- Loss Carryforward Review
- Tax Loss Harvesting
- Deduction & Credit Optimization
- Potential Roth Conversion Analysis
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Investment Planning
- Portfolio Review & Risk Analysis
- Asset Allocation
- Asset Location
- Portfolio Design & Construction
- Withdrawal Strategy Optimization
- Concentrated Position Analysis
- Risk Management & Oversight
- Review of Held-Away Investments
- Financial Plan Worst-Case Simulation
- Retail & Institutional Manager Access
- Systematic Portfolio Rebalancing
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Estate Planning/Charitable Giving
- Wills*
- Power of Attorney*
- Living Will*
- Health Care Proxy*
- Trusts
- Asset Protection Analysis
- Estate Taxes
- Guardian for Minor Children
*These services will require the collaboration
of an attorney.
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Retirement Planning
- Retirement Goal Setting
- Social Security Strategy Analysis
- Business Planning
- IRA Contributions & Conversions
- Employer-Sponsored Plans & 401(k)'s
- Annuities and Pensions
- RMD & Withdrawal Strategies
- Self-Employed Retirement Plans
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Risk Management & Insurance
- Beneficiary Review
- Review of Existing Policies
- Life Insurance Needs
- Long Term Care Insurance
- Disability Insurance
- Health Insurance
- Homeowner's or Renters Insurance
- Liability Coverage
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Cash Flow & Budgeting
- Income Sources
- Expense & budget Management
- Debt Management
- One-Time Expenses
- Planned large Expenses
- Emergency Expenses
- Dollar Cost Averaging
- Mortgage Review
- Securities-Backed Line of Credit
- Full-Service Banking Options
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Family Planning Services
- Gifting
- Education Planning
- Caring for Elderly
- 529 Savings Plans
- Roth IRAs for Children
- UGMA/UTMA
- Transition to Widowhood
- Recently Divorced
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Concierge Services
- Coordinate with other advisors (attorney, insurance agents, outside accountants, etc.) for holistic service.
- Online secure document storage (insurance policies, estate planning and legal documents, tax returns, etc.)
- Personal online website
- Account aggregation
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