Broker Check

Hourly Consulting

Services Provided:

Investment Planning/Asset Allocation:

  • Risk tolerance assessment and portfolio risk analysis
  • Asset allocation and diversification analysis
  • Investment education
  • Investment research

Personal Financial Planning:

  • Advice in change of lifestyle or major life event including marriage, divorce, children, job, education)
  • Provide financial guidance/planning for special circumstances including death, disability, divorce, job loss, monetary windfall
  • Major purchase goal analysis and funding options
  • Discussion of the importance of saving early (dollar cost average, compound interest)

Cash Flow/Budgeting:

  • Creation of a personal budget (income and expenses)
  • Discussion of short-term savings strategies
  • Debt-management and consolidation strategies
  • Education of mortgage options

Retirement Planning:

  • Retirement plans analysis and education
  • IRA and Roth IRA education including Roth conversions
  • RMD and 72(t) calculations and analysis
  • Social Security planning
  • Medicare health care cost planning

Education Planning:

  • Discussion of college savings plans
  • College education costs and funding projections and analysis

Insurance/Annuity Planning:

  • Insurance gap/needs analysis for life, disability, and long-term care insurance
  • Education on different types of insurance plans (life, disability, and long-term care insurance)
  • Analysis of insurance policies (life, disability, and long-term care insurance)
  • Discussion of individual health insurance and Medicare
  • Insurance planning and analysis for estate liquidity
  • Review of life insurance policy ownership and beneficiary designations
  • Asset allocation, diversification, and securities research for variable life and variable annuities

Employee Benefits Planning:

  • Group insurance analysis and planning (health, life, disability, and long-term care insurance)
  • Qualified Retirement Plan Participant Consulting Advice Program (PCAP) for investment advice and support on qualified retirement plans such as 401(k) plans, 403(b) plans, and 457(b) plans

Tax Planning:

  • General discussion of deductions and income recognition
  • Strategic tax consulting in retirement
  • Discussion of income taxation of investments
  • Discussion of income taxation of life insurance and annuities
  • Discussion and calculation of Net Unrealized Appreciation (NUA)

Estate Planning:

  • General estate planning and gifting strategies
  • General explanation of estate planning structures/documents: wills, living wills, POA, trusts, etc.
  • Review of ownership titling and beneficiary designations

Securities and Financial Planning are offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC