A Financial Planning Solution For Investors Seeking Clarity

• Analyzing your current income, expenses, liabilities and net worth to calculate ample cash reserves.
• Completing a Planning Checkpoint to understand the status of current financial goals.
• Building a Corporate Benefit Playbook to optimize your employer sponsored investment plans.

• Reviewing your Financial Foundation to evaluate your insurance needs for life, income protection, and long-term care.
• Completing an Insurance Audit to evaluate how your existing policies stack up against current opportunities in the marketplace.

• Creating a Goal Forecast to quantify what is necessary in order to hit your financial goals over time.
• Completing a Portfolio DeepScan® to evaluate the losses your asset allocation would suffer during a stock market crash.

• Prioritization of saving by tax category to have a Cash Flow Hierarchy®.
• Creating an RMD Roadmap® to have more control over Required Minimum Distributions.
• Building a Business Profit Blueprint to mitigate business taxes by redirecting revenues. 

• Setting a firm retirement date and quantifying how much savings will be needed to effectively retire.
• Consolidating your employer sponsored retirement accounts into one place through a Simple Rollover®. 
• Building a Resilient Retirement® to have more control over market volatility and its impact on your retirement plan. 

• Protecting wealth from long term care costs, state, and federal estate taxes.
• Organizing the future distribution of assets through proper estate planning documentation. 
• Mapping out a multi-generational wealth transfer strategy to create a Lasting Legacy.

This program is recommended for

NOVICE INVESTORS

Live Meetings

• Investment Review

Planning Services

• Foundation Review
• Insurance Audit
• Simple Rollover®
• OpenSource™ Investment Recommendations

This program is recommended for 

MOST INVESTORS

Live Meetings

• Financial Planning Review 
• Analysis Review 
• Strategy Implementation 

Planning Services

• Foundation Review
• Insurance Audit
• Portfolio DeepScan®
• Planning Checkpoint
• Goal Forecast
• Cashflow Hierarchy® 
• Resilient Retirement® Plan
• Simple Rollover®
• OpenSource™ Investment Recommendations 

Advanced Planning Services

• Additional Services Available For Add-On Cost

Review Services

• Semi-Annual Planning Checkpoint
• Semi-Annual Investment Review Meeting
• Annual Planning Review

This program is recommended for 

EXPERT INVESTORS

Live Meetings

• Financial Planning Review 
• Analysis Review 
• Strategy Session

Planning Services

• Foundation Review
• Insurance Audit
• Portfolio DeepScan®
• Planning Checkpoint
• Goal Forecast
• Cashflow Hierarchy® 
• Resilient Retirement® Plan

Advanced Planning Services

• Investment Allocation Modeling
• RMD Roadmap®
• Corporate Benefit Playbook
• Additional Services Available For Add-On Cost

Review Services

• Quarterly Portfolio DeepScan®
• Quarterly Planning Checkpoint
• Quarterly Goal Forecast
• Semi-Annual Allocation Model Review
• Annual Planning Review

Does your household have a strong financial foundation?  Do you have ample cash reserves, proper insurance coverage, and know what you are paying in investment fees?

All financial plans require basic building blocks to be in place in order to plan for long term financial success.  Through our Financial Foundation Review, we evaluate your cash flow to determine if you have ample cash reserves.  Next, we audit existing investment accounts to quantify fees, risk, and historic returns.  Lastly we evaluate your 'everyday risk exposure' to understand any needs for life protection, income protection, and potential long-term health care costs.

Do you know if you are currently on pace to hit your financial goals in time?  Do you have a process to check if you are currently on track or off-track for retirement?

Through this online financial planning audit, we will show you where  stand in relation to your goals.  A Planning Checkpoint calculates the probability of success for your current financial goals, based off of your timeline, current savings strategy, & existing portfolio allocation.  This will reveal whether you are saving enough for your goals and if your investments are targeting the proper return.

Do you know what it will take to hit all of your financial goals? Have you quantified how much to save each year, how much return to target, and the final amount you will need?

A Goal Forecast is all about setting targets and understanding what is necessary from your saving to hit financial goals over a period of time.  Through this online financial planning analysis, we will quantify the final sum required to hit each goal as well as calculate the returns your savings should target each year to stay on track.

What would happen to your portfolio if the Great Recession of 2008 repeated itself, and how would it impact your goals?

Through this online financial planning analysis, we first show you the losses that your asset allocation would suffer during a stock market crash.  Then we calculate 1,000 scenarios of market timing, post market crash, to see if you could still achieve your financial goals.  This analysis will give you an understanding of how resilient your current retirement plan actually is. 

From a tax standpoint, why do you save where you save?  What if diversifying your taxes now could create more after-tax income for retirement?

Mathematically speaking, money grows more effectively depending on how it is tax categorized. This online financial planning analysis will help you diversify your savings by tax categorization to maximize your cash-flow savings plan. Through this process you will gain more control over how future investment distributions impact your tax bracket.  

Are your annuity & insurance policies expensive & out dated?   When was the last time you took a hard look at what you have in place?

The insurance and annuity landscape changes every year due to mortality tables, market volatility, and interest rates.  Through this online financial planning analysis we can vet the marketplace to see how your existing products stack up against the current opportunities. 

Does your retirement plan have contingencies in place to account for a stock market crash?  If the market crashed tomorrow, could you still retire or stay retired?

A retirement plan that would not survive a market crash is lacking investment resilience.  Through this online financial planning process, we will build you a retirement plan that has a contingency strategy for market downturns.  A Resilient Retirement® is built to give you more control over the uncontrollable, so that regardless of market volatility, your confidence in retirement stays resolute. 

Do you know if your old employer sponsored retirement plan is aligned with your current financial goals?  What if the investment strategy is no longer appropriate?

A rollover lets you take back ownership of your money, so you can re-align your savings with your retirement timeline. The process of consolidating all those old accounts into one place has never been easier! A Simple Rollover® is an online financial planning tool that will get your money rolling back to you within a few 'clicks.'

Do you have a strategy in place to maximize your corporate benefits?  How are you leveraging stock incentives, pension plans, or deferred compensation to expedite your goals?

As you rise through the corporate ranks, complex opportunities, like deferred compensation and stock incentive plans, become more readily available. Capitalizing on these opportunities is key to achieving your financial goals more effectively.  A Corporate Benefit Playbook will show you how to leverage these benefits in order to maximize the impact on your financial goals.

Will your Required Minimum Distributions move you into a higher tax bracket? 

 The Required Minimum Distribution percentage from your retirement account increases every year after age 72.  Why? Because the IRS is smart!  An RMD Roadmap™ will help you plan ahead so you can flat line distributions, and enter higher tax brackets, only if you choose to do so.  The earlier you draw your map, the more tax control you will have later.  

Could your wealth become multi-generational wealth?

Building a Lasting Legacy is how we help you create generational wealth for your loved ones. Mapping out a multi-generational wealth transfer strategy gives you the power to choose how you are remembered.  Whether it is for your grandchildren's college costs,  your favorite non-profit, or anything else, a true Lasting Legacy evaluates safe investments that can turn new money into old money for generations to come. 

Is your business ready to take its financial strategy to the next level?  

Once a business becomes profitable it requires safeguards to be put in place that protect key employees & insure the business plan.  Through this online financial planning analysis, we review your business's revenue to see how it relates to your tax deductible savings, employee plans, & buy/sell agreement.  Then we will build you a playbook that prioritizes your cash-flow to maximize its value.