Investment Management
- Establish asset allocation targets
- Portfolio management and monitoring
- Manager selection
- Security transaction execution
- Coordination of all investment assets
Financial Planning
- Goal-setting
- Net-worth calculation
- College funding
- Debt level analysis
- Budgeting assistance
- Financial education
- Coordination with other professionals
Pre- and Post-Retirement Planning
- Income and expense projections
- Retirement monitoring
- Retirement plan rollover assistance
- Strategy for withdrawals from retirement plans
- Arrangement of periodic payments to meet expenses
Estate Planning
- Ensure trust funding, appropriate asset ownership, correct beneficiary
designations
- Estate planning attorney referral
- Act as individual trustee
- Investment advisor to trustee
Safekeeping & Record-Keeping
- Security safekeeping through Charles Schwab & Co.
- Security record-keeping
- Cost basis information collection and maintenance
- Monthly securities values reports
Tax Matters
- Coordination with client’s CPA
- Provide information for tax preparation
- Supervise distributions from retirement plans
- Tax preparer referral
- Marginal tax rate projections
- Tax minimization
Insurance Analysis
- Life
- Disability
- Long-Term Care
- Health, including Medicare drug coverage
- Liability
- Homeowner
- Auto
- Referrals to insurance agents
Special Services
- Analysis of new or second home financing
- Analysis of purchases versus lease of vehicles
