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