Financial Life Planning & Transition Life Planning

• Discovery / clarification of mission, vision, and values

• Identifying life goals and objectives

• Neuropsychology of change

• Sorting through priorities to know where to start

• Thinking partner and accountability partner

• Clarification of questions and concerns

• Human capital / career planning

• Net worth review, estimate of assets & liabilities

• Education funding

• Social Security planning

• Financial Health

• Coordination with other professionals

• Compensation plans and employee benefits

• Buying vs renting a home

• Buying vs leasing a car

• Advanced planning techniques and strategies

Cash Flow Planning/Budgeting

• Balance sheet / net worth statement

• Debt management / student loans

• Cash flow management / budgeting

• Automatic saving

Investment Planning/Retirement & Financial Independance

• Review of investment objectives and time horizon

• Review of investment philosophy and strategy

• Retirement income needs

• Personalized allocation

• Investment portfolio analysis

• Individual portfolio reviews

• Contribution and distribution planning

• Market insights and commentary

• Review of risk profile, investment objectives, and performance as needed

• Tracking wealth management progress

• Consolidation and simplification

• Non-standard investments

• Separately managed stock portfolios

• Environmental, Social, and Governance issues

• Asset classes, asset allocation and diversification

• Performance, risk, and return

• Fee review

Tax Planning

• Tax-sensitive investment management

• Asset location

• Deferred compensation

• Income tax situation review

• Required minimum distributions

• Conversions, rollovers, and recharacterizations

Risk Management

• Life

• Health

• Disability

• Long term care

• Home, renters, auto

• Liability and umbrella

• Business insurance

• Mortgage insurance

• Directors and officers

• Identity theft

• Travel

• Strategies

Healthcare Planning

• Healthcare costs during retirement

• Medicare / Medicaid

• Eldercare planning

Estate Planning and Wealth Transfer

• Getting things organized for surviving loved ones

• Final arrangements planning / pre-planning

• Beneficiaries

• Wills

• Palliative care / Hospice

• Forms of ownership / property titling

• Trusts

• Personal representatives, agents, advance directives, agency documents

• Organ donation / donating body to science

• Digital property

• Charitable Giving

• Inter-/intra-generational wealth transfer/ giving

• Non-traditional relationships

• Family meeting / communication

• Estimate of estate value and settlement costs