Services

  • Tax Planning
  • Reviewing income tax returns for obvious errors and omissions
  • Preparing income tax projections for clients annually 
  • Making specific recommendations and helping clients execute recommended strategies
  • Managing adjusted gross income to minimize Medicare Premium Adjustments (IRMMA) 
  • Maximizing tax benefits from charitable donations
  • Insurance/Employee Benefits
  • Assisting with Medicare enrollment and evaluating Medicare supplement options
  • Providing guidance on healthcare and employee benefit options
  • Analyzing property and casualty coverage
  • Evaluating disability insurance, life insurance, and long-term care insurance policies and needs
  • Coordinating recommended changes with insurance professionals
  • Investments
  • Constructing an investment portfolio that has the best chance of meeting lifetime spending needs
  • Locating each investment in the appropriate account type to produce a better after-tax result (with no additional risk)
  • Rebalancing portfolios on a threshold basis (i.e., when the portfolio drifts significantly from pre-determined limits)
  • Assisting with investment property analysis
  • Managing concentrated stock positions, restricted stock, and employee stock options
  • Estate Planning
  • Reviewing estate planning documents and summarizing key components to facilitate better client understanding
  • Identifying potential estate plan changes or strategies to discuss with and implement with your attorney
  • Ensuring asset ownership and beneficiary designations are consistent with client’s estate plan
  • Evaluating options to mitigate exposure to estate taxes, inheritance tax or probate fees
  • Assisting inexperienced heirs
  • Retirement Planning
  • Preparing retirement projections to analyze multiple scenarios
  • Developing a sustainable retirement spending plan
  • Evaluating Social Security retirement benefit options
  • Analyzing pension benefit options (lump-sum, annuity, survivor benefits)
  • Debt / Cash Flow Management
  • Reviewing estate planning documents and summarizing key components to facilitate better client understanding
  • Identifying potential estate plan changes or strategies to discuss with and implement with your attorney
  • Ensuring asset ownership and beneficiary designations are consistent with client’s estate plan
  • Evaluating options to mitigate exposure to estate taxes, inheritance tax or probate fees
  • Assisting inexperienced heirs
  • Education Funding
  • Advising on debt repayment strategies. 
  • Evaluating financing options 
  • Creating a process that helps clients measure actual spending / savings
  • Ensuring client maintain adequate cash reserves