6 Pillars of Planning
Financial planning involves more than just investments. Make sure you work with an advisor that looks at your entire financial picture!
Income Planning
- Income & Expense Analysis
- Inflation Plan
- Spousal Plan
- Longevity Protection
Insurance Planning
- Life Insurance needs analysis
- Disability Insurance needs analysis
- Analyzing options for a Long-Term Care Plan
- Looking at all aspects of Medicare, Parts A, B and D
Tax-Efficient Planning*
- Assessing the taxable nature of your current holdings
- Strategizing ways to include tax-deferred or tax-free money in your plan
- Strategize which tax category to draw income from first to reduce tax burden
- Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries
Investment Planning**
- Assessing your Risk Tolerance
- Adjusting your portfolio to reduce fees
- Volatility Control
- Evaluate ways to help mitigate risk while still accomplishing your goals
- Comprehensive Institutional Portfolio Management
Retirement Planning
- When should I retire?
- Social Security Optimization
- Sequence of Return Risk
- Guaranteed Income In Retirement***
Estate Planning
Have up to date Wills, Living Trusts, Medical & Financial directives that communicate your moral and financial goals for your family.
Evaluate and consider the efficacy of gifting and fiscal strategies aimed at managing estate taxation while bolstering the financial resources available for your chosen beneficiaries and charitable causes.
*This publication is not intended as legal or tax advice. Financial Representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.
**All Investments carry some level of risk, including possible loss of principal. No Investment strategy can guarantee a profit or protect against loss.
***All guarantees in annuities are backed solely by the claims-paying ability of the issue