How We Work With Clients
RETIREMENT
Retirement Lifestyle Goal Planning / Guidance
Help Determine When Clients Can Retire
Analysis of Annual Retirement Contributions
Roth vs Traditional 401(k) Plan Accounts
Retirement Cash Flow Analysis
Withdrawal Rate Analysis / Retirement Income Strategies
Required Minimum Distribution Planning / Execution
Retirement Plan Distribution Option Analysis
Social Security Claiming Analysis
Backdoor Roth IRA Strategies
Coordinating Income With Tax-Sensitive Items
Defined Benefit Pension Claiming Analysis
Helping Clients Avoid Financial Fraud
Planning for Housing Transition (CCRC, Assisted Living)
INVESTMENTS
Asset Allocation Analysis / Adjustments
Asset Location Analysis / Adjustments
Tax Planning Strategies / Custom Separately Managed Accounts
Investing an Inheritance / Windfall
Employee Stock Purchase Plan Analysis
Handling Concentrated Stock Positions
Creating Investment Policy Statements
Risk Management Strategies
Rebalancing Execution
Withdrawal Strategies
Consideration of Cost-Efficient Investment Options
Addressing Outstanding Margin Interest Charges
ESTATE
Helping clients identify the types of estate documents they may wish to discuss with their attorney
Wills & Trusts, Advance Directives
Healthcare Proxies, Powers of Attorney
Bequests
Business Succession Planning
Federal & State Estate Tax Planning / Analysis
Funding of Trusts / Re-Titling of Assets
Gifts Planning
Surviving Spousal Needs Analysis
INSURANCE
Insurance Analysis and Coverage Needs Assessments:
Life, Long-Term Care, and Disability Insurance
HDHP w/ Health Savings Accounts (HSA)
Workplace Benefits
P&C (Homeowner's Hazard, Auto, Umbrella)
Medicare
Curation of Insurance Professionals & Policies:
Life, Long-Term Care, and Disability Insurance
TAX PLANNING
Adjusting Strategies for Changes in Tax Policy
Review Adjusting Tax Withholding/Allowances
Analyzing Options to Maximize QBI Deduction
Capital Gains Harvesting Analysis
Charitable Giving Location Planning
Curation of Tax Professionals
Leveraging College Tax Credits
Reviewing Annual Tax Return
Roth Conversion Analysis
Standard / Itemized Deduction Analysis
Stock Option Planning
Strategies for Accelerating / Deferring Business Income
Tax Bracket Management / 0% Gains Harvesting
Tax Credit Analysis / Opportunities
Tax Loss Harvesting Analysis
CASH FLOW ANALYSIS
Alignment of Spending With Values & Goals
Allocating & Bucketing Cash by Goal
Analysis of Changing Jobs/Salary
Analysis of Financial Support for Loved Ones
Car Buy vs Lease Analysis
Divorce Cash Flow Analysis
Emergency Fund Planning
Expense Analysis To Find Forgotten / Unneeded Expenses
Home Buy Vs Rent Analysis
Optimize Returns on Cash Holdings
Planning for a Sabbatical
Planning for an International Move
Review Personal Credit Cards & Rewards
Setting Cash Balance Targets
Vacation Home Planning
EDUCATION PLANNING
529 Plan Comparison Analysis
Funding Strategies: 529, UTMA, Taxable Accounts, and/or Roth IRA
College Financial Aid (Merit & Needs-Based) Strategies
Support Completing the FAFSA Form
Psychology of Wealth
Developing & Envisioning Financial / Life Goals
Financial Coaching for Implementation of a Plan
Tracking Financial Life
Overcoming Financial Biases
Overcoming the Investment Behavior Gap