What Is Covered

Balance Sheet

  • Budget

  • Current Liquidity

  • Outstanding Debt

  • Loans

Investments

  • Current & Proposed Allocations

  • Holdings & Concentration Analysis

  • Taxable vs. Tax-Deferred and Tax-Free Assets

  • Sector and Style Comparison

Retirement 

  • Goals Analysis

  • Projected Cash Flows from now through retirement

  • Stress Testing (Bear Markets, High Tax Rates, Inflation, Etc.)

  • Social Security Optimization

  • Medicare Considerations (Pre-Medicare Insurance Budgeting)

Insurance

  • Life

  • Disability

  • Long-Term Care

  • Property & Casualty

College Funding

  • Projected Cost with Inflation

  • Current Funding Level

  • Time Horizon

Tax Review

  • Effective Tax Rate

  • Distributions

  • ROTH Conversion Opportunities

  • Key Tax Components

Estate Planning

  • Beneficiary Review

  • Living/Will/Trust (If Applicable)

  • Medical & Durable Power of Attorney 

  • Directive to Physician

  • HIPAA
    Legacy Planning (Trust Planning for Heirs, Favorite Charity, Etc.)

Estate TAX Flow Chart

  • Effective use of Trust strategies to reduce taxes

  • Assets Inside Estate vs. Out of Estate

I'M READY

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