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Our financial review is a fundamental part of our being an effective fiduciary for our clients’. The financial review reveals how much risk our clients can and should be taking with their portfolio. The review also reveals vulnerabilities with-in our client’s financial lives, such as insufficient estate planning, abusive underperforming products and over concentrated exposure to one investment segment. Our goal is to reduce risk, create a portfolio with a reasonable rate of return, minimize costs and put our clients’ at ease with their financial lives. Financial Goals & Objectives
Retirement Planning
Education Planning
Inheritance Strategy
Charitable Gifting
Net Worth Analysis
Assets vs. Liabilities
Cash Flow
Budget Analysis (present vs. future)
Assessing the needs
Financial Requirements to Reach Goals
Savings plan
Strategic planning
Risk Management: Insurance Review
Review coverage
Recommendations
Referral to Insurance Broker
Estate Planning
Establish a Living Trust and/or Will
Referral to Trust Attorney
Tax Planning
Cost Basis Analysis
Assessing capital gains vs. losses
Strategic planning
Referral to CPA
Action Plan
Prioritize steps to putting the plan into action
making introductions to professionals
encouraging clients to complete the plan.
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