Investment Planning and Implementation

• Given that we sell no financial products or securities, our advice and recommendations are completely independent and unbiased
• We will work with you to ensure that your plan is developed and guided by your personal goals, financial objectives, timeliness, and risk tolerance
• Creation of a net worth statement, an investment asset allocation, a cash flow analysis and a recommendation outline will help to assist you in achieving your financial goals
• Regular maintenance and review of your portfolio to discuss any new market conditions and strategies will be provided
• We believe a “team approach” is essential and, as such, we will work closely with your investment advisor. When applicable, the recommendation of a wealth management professional will be provided
• At your request, we will attend all third party meetings with you, in order to assure that each of your goals and objectives are being appropriately addressed

Executive Compensation

• Complete review of compensation and benefit packages, as well as, applicable advice and guidance
• Review of Non-Qualified and Incentive Stock Options, Restricted Stocks, Phantom Stock, Stock Appreciation Rights (SARs), Employee Stock Purchase Plans (ESPPs), Section 83(b) elections, as well as, other financial compensation and applicable strategies
• Recommendations of deferred compensation plans and employee benefit elections

Risk Management

• Review of current insurance coverage and evaluation of future needs
• Identification of gaps in coverage, as well as, excess coverage
• Cost effective solutions in personal coverage (disability, life, long term care) and property coverage (homeowners, liability, assets)

Education Planning

• Planning and cost projections for future education expenses
• Development of a funding and investment strategy which compliments your financial goals
• Evaluation of various alternatives to fund your child’s education such as Section 529 Plans, Coverdell Education Savings Accounts, Custodial Accounts, keeping college savings in your own account
• The utilization of Educational Improvement Tax Credit (EITC) Programs in states where applicable

Estate and Gift Planning

• Preparation of a transfer plan to transfer assets during life, as well as after death, in order to minimize or eliminate taxes
• Establishment of gifting programs, trusts, LLCs and similar financial instruments
• Coordination with your estate planning attorney to draft these documents
• Management and disposition of estates in conjunction with the tax savings recommendations to achieve your goals
• When applicable, the recommendation of an estate planning attorney will be provided

Retirement Planning

• Establishment of retirement goals, projected retirement age and standard of living
• Review of retirement funding and the creation of a strategy that accounts for cash flow needs
• As retirement approaches, a distribution plan to link retirement costs and estate goals

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