Financial Planning

Personal Wealth Planning

Business & Career Planning

Major Purchase Planning (vehicles, property, boats, aircrafts or other high-value assets)

Significant Event Planning (birthdays, weddings, anniversaries, milestones etc.)

Goal setting, prioritization, and accountability

Cash flow projections, Expense Tracking & Budgeting Strategies
Debt management and consolidation analysis

Funding analysis for personal goals

Personal financing strategies

Lifestyle change guidance and financial updates
Mortgage analysis
Real estate purchase planning
Funding analysis for personal goals
Personal financing strategies
Planning for special circumstances (job loss, disability, etc.)
Emergency fund planning
Refinance scenario evaluations
Savings strategy development
What-if scenario planning

Health Savings Account (HSA) strategies

Health Insurance & Medical Cost Planning

Business & Career Planning

Business use of insurance
Buy/Sell agreement analysis
Cash flow and income statement analysis
Cash management
Deferred compensation analysis
Net Unrealized Appreciation (NUA) strategies
Risk concentration mitigation strategies
Stock option analysis
Tax-efficient exercise and vesting strategies

Tax Planning

Business & Career Planning

Education Planning

Cost basis tracking and review
Stock option taxation education (ISOs, NSOs, etc.)
Alternative Minimum Tax (AMT) identification
Tax illustration and impact analysis
Life insurance and annuity tax considerations
Investment cost basis research
Itemized deduction strategies
Deferred compensation taxation strategies
Optimizing tax strategies
Qualified charitable distributions
HSA and retirement account deduction planning
Roth IRA conversion strategies
Tax diversification planning
Reviewing tax law changes and projections

Education Planning

Retirement Planning

Education Planning

College cost and inflation analysis
Educational tax credit guidance
Expected family contribution calculations
FAFSA review and insights
Financial aid strategy guidance
Education funding and contribution strategies
Analysis of grants and other funding sources
Loan comparison analysis (e.g., Parent PLUS vs. student loans)
Guidance on ownership of education savings assets
Trust usage for education funding

Retirement Planning

Retirement income drawdown strategies
Coordination of retirement plan service providers
Beneficiary designation planning
Contribution strategy and limit guidance
Employer benefits review
Education on retirement plan types
Employer vs. self-directed plan comparisons
Identifying retirement income sources
Investment guidance for retirement plan participants
QLAC (Qualified Longevity Annuity Contract) strategy reviews
Retirement plan stress testing
Required Minimum Distribution (RMD) calculations
RMD strategy planning
IRA and retirement account distribution options
Social Security and Medicare planning

Estate Planning

Retirement Planning

Beneficiary review and updates
Charitable giving and estate planning strategies
Estate tax impact analysis
Education on estate planning documents (wills, POA, trusts)
Explanation of trust income and tax treatment
Generational wealth transfer strategies
Gifting strategies
Guidance on ownership and titling of assets
Liquidity strategies for estates
Health care directives guidance
Private annuities and family loan strategy analysis
Ongoing trust reviews
Trust education and planning
Wealth transfer scenario planning

Additional Planning

Divorce Planning
Special Needs Planning
Sudden Wealth Planning (e.g., inheritance, lottery, legal settlement)
Life Transitions Planning (e.g., marriage, birth of a child, relocation, loss)

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