"Life in a Box"

Family Protection
Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family:

•  Financial Emergencies
•  Pay medical bills in the event of Illness
•  Income replacement lost due to disability
•  Maintain a standard of living after the death of a spouse or other loved one

Investment Portfolio Management
•  Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market

•  An Investment Portfolio Stress test to determine how your portfolio handles market downturns
•  Ongoing implementation of an active allocation strategy for proper market exposure and trends.  
•  Aggregation of all your accounts to simplify and reduce paperwork
•  Plan best tax strategy (401k, IRA, Roth, NQ, etc… ) to accumulate money in retirement plans

Education Planning
•  Establish and project education planning goals for family members
•  Determine the best type of education plan for personal circumstances
•  Identify current and future costs of education

Tax Reduction Planning
•  Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities
•  Evaluating business structure to optimize the benefits of the Internal Revenue code
•  Deferring income and/or accelerating expenses at year-end
•  Strategies to realize losses or gains through a wide range of allowable actions

Retirement Lifestyle & Income Planning

•  Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs 

    and help maintain a comfortable standard of living
•  Develop strategy to prevent you from outliving your retirement income
•  Determine the best methods and timing for withdrawing retirement income

Charitable Giving
•  Help identifying charitable giving opportunities that fit within your value structure and that help minimize tax liability
•  Develop a charitable giving plan to be incorporated into cash flow and expense budgets

Family Legacy & Estate Planning
•  Involves identifying beneficiaries and what they are to receive both during the client’s life and upon his or her death.
•  Provide knowledge about available estate planning techniques and tools
•  Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate
•  Help determining how property will be transferred at death by means of a will, interstate, contract, trust, and/or operation 

    of law