CONSULTING

• FEE SERVICES - AUM, HOURLY, OR FLAT FEE
• CASH FLOW MANAGEMENT
• DEBT REDUCTION STRATEGIES
• COLLEGE SCHOLARSHIP RESEARCH
• STUDENT LOAN STRATEGIES
• PENSION ELECITONS
• SOCIAL SECURITY PLANNING
• COMPLETE FINANCIAL PLANS (INCLUDES EVERYTHING ABOVE) 

INVESTMENT MANAGEMENT

• CUSTOMIZED PORTFOLIO MANAGEMENT
• RE-BALANCING AND ALLOCATION ADJUSTMENTS THAT ARE ALIGNED WITH GOALS AND OBJECTIVES
• TAX EFFICIENT PLANNING AND ALLOCATIONS
• IRA/ROTH IRA MANAGEMENT
• 401(K)/403(B)/457 STRATEGIES
• RETIREMENT INCOME PLANNING
• 529 COLLEGE SAVINGS STRATEGIES

PERSONAL PORTAL ACCESS

• ESTABLISHING OF GOALS
• PERSONAL BUDGET TRACKING TOOLS
• TRACKING OF GOALS
• AGGREGATION OF OUTSIDE ASSETS AND LIABILITIES
• DAILY ACCESS TO NET WORTH STATEMENTS

RETIREMENT PLANNING

• RETIREMENT GOALS
  • AGE
  • LIFESTYLE
  • HEALTHCARE
  • PART TIME WORK
• 401(K)/403(B)/457 STRATEGIES
• IRA/ROTH STRATEGIES
• PENSION ELECTIONS
• SOCIAL SECURITY STRATEGIES
• RETIREMENT INCOME NEEDS ANALYSIS

COMPREHENSIVE INVESTMENT MANAGEMENT

• TAX EFFICIENT INVESTMENT STRATEGIES
• PORTFOLIO ALIGNMENT TO GOALS
• PERSONALIZED RISK ADJUSTED PORTFOLIOS

RISK MANAGEMENT

• PORTFOLIO RISK SCORING
• LIFE INSURANCE NEEDS
• DISABILITY INSURANCE NEEDS
• LONG TERM CARE NEEDS
• ELDER CARE CONCERNS

TAX PLANNING

• RMD PLANNING
• PRE-TAX VS ROTH SAVINGS
• 401(K)/403(B) VS DESIGNATED ROTH
• TAX DEFERRAL ASSESSMENTS
• TAX EFFICIENT INVESTMENT NEEDS

ESTATE PLANNING

• BENEFICIARY REVIEW
• TRUST FUNDING
• CHANGES TO FAMILY DYNAMICS
• ESTATE LIQUIDITY
• ESTATE TAXATION CONSIDERATIONS
• SPECIAL NEEDS
• PRIVACY NEEDS 

EXIT PLANNING, 100% OF OWNERS WILL EXIT THEIR BUSINESS

• PERSONAL & BUSINESS READINESS
  • PERSONAL PLANNING
  • PERSONAL FINANCIAL PLANNING
  • BUSINESS RISK(S)
• WEALTH GAP ANALYSIS
• INTERNAL TRANSITIONS
  • FAMILY TRANSITION 
  • MANAGEMENT BUY-IN OR BUY-OUT
  • SALE TO OTHER SHAREHOLDER/ MEMBER(S)
  • ESOP (EMPLOYEE STOCK OPTION PLAN)
• EXTERNAL TRANSITIONS
  • STRATEGIC BUYER
  • PRIVATE EQUITY
  • LIQUIDATION

CONTINUITY PLANNING & PROTECTION

• DEATH OF OWNER(S)
• DISABILITY OF OWNER(S)
• DIVORCE OF OWNER(S)
• DISAGREEMENTS BETWEEN PARTNERS AND/OR INVESTORS
• DISTRESS OF OWNER(S)

KEY EMPLOYEE PLANNING & PROTECTION

• DEATH OF KEY EMPLOYEE(S)
• DISABILITY OF KEY EMPLOYEE(S)
• RETENTION OF KEY EMPLOYEE(S)

RETIREMENT WELLNESS

• RETIREMENT PLAN DESIGN, IMPLEMENTATION, SUPPORT
• DEFINED CONTRIBUTION PLANS
• DEFINED BENEFIT PLANS
• SAFE HARBOR PLANS
• RETIREMENT FIDUCIARY SERVICES
• EMPLOYEE WELLNESS TRAINING
• BENCH-MARKING SERVICES
• NON-QUALIFIED DEFERRED COMPENSATION