| |   | Services Personal Financial Planning A Comprehensive Financial Plan usually includes the elements listed below. We can work with you on these services as stand-alone projects as well depending on your specific needs. Some clients do not need assistance in every area or they may choose to focus on a few specific areas of current concern. PERSONAL FINANCIAL - Budgeting and cash flow analysis
- Assets and liabilities management
- Scenario analysis (moving to a larger home, new job, staying home with a
new baby) - Financial goals planning (i.e., college funding, retirement saving, home down
payment) INVESTMENTS - Asset allocation and portfolio construction
- Portfolio review and re-balancing
- Specific investment advice (purchases, sales)
- Account specific advice (ie rollovers, consolidation)
- Education planning and funding
- Objective review of third party money managers
RISK MANAGEMENT - Life insurance needs analysis; amount and type of insurance
- Disability and long term care insurance recommendations
- Current property and casualty insurance policy review (auto, homeowner’s, umbrella)
TAX PLANNING - Tax projections
- Tax implications of various financial decisions (ie home buying, income changes, capital gains)
RETIREMENT PLANNING - Income and cash flow needs analysis
- Retirement projections and scenario analysis
- How much to save; what accounts to fund
- How to take distributions from qualified retirement accounts
ESTATE PLANNING - Recommendations on estate planning documentation needed
- Referral to qualified estate planning attorneys
SPECIAL PROJECTS - Rental real estate
- Stock option planning
- Other projects as requested
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