Client Goal

Planning Guidance/Benefit

Retirement Planning

• Project your future retirement needs so you'll know if you're saving enough to meet them, and discuss alternative strategies to assist you in supporting your highest priority financial goals.
• If self-employed or a business owner, provide guidance on appropriate retirement plan selection, or review your current retirement plan to evaluate whether it's the optimal type for you.
• Provide advice on retirement and pension plan distribution options, including related income tax implications.

Investment Planning

• Develop prudent asset allocation guidelines to enhance your risk-reward profile efficiently and cost-effectively.
• Help you develop a disciplined strategy so you don't "buy high and sell low."
• Provide “second opinion” on investment strategy and holdings for competent, self directed people who prefer to manage their own investment strategy.
• Provide specific investment recommendations – either within your company-sponsored retirement plan (i.e. 401(k) plan) or your non-retirement accounts.

Tax Planning & Preparation

• A CPA prepares and reviews your personal, estate, trust and business tax returns (i.e. S-Corporations and LLCs), and recommends strategies to help you keep more of what you earn.
• Extensive experience in preparing complex tax returns for executives working in multiple states, and businesses owners with many different business interests.
• Tax and investment planning for employee stock options including nonqualified and incentive stock options.
• Year-end tax planning strategies, including, but not limited to planning to decrease the adverse impact of the Alternative Minimum Tax (AMT).

Education Planning

• Estimate how much it will cost to send your children to privateschool/college and recommend tax efficient ways you can save for thisexpense.

Estate Planning

• Review your current estate planning objectives, asset ownership/beneficiaries, and estate documents.
• Identify weaknesses and recommend appropriate actions so that you leave more of your estate to support your surviving spouse, heirs, and/or favorite charities.
• Provide referrals to estate planning attorneys, if desired, to create or update your estate planning documents.

Insurance Planning

• Review your life, disability, long-term care, health care, property, and liability insurance coverage.
• Analyze life insurance needs if applicable.
• Objectively identify weaknesses and recommend appropriate changes.
• Provide referrals to 3rd party insurance professionals if desired.