Cash Flow and Budget – Where money is spent and using the outcomes project the future.
Charitable Planning – Fulfilling your heart’s desire to assist others.
Debt Management – Evaluating the rates, terms, cash flow and tax deductibility of all debt in order to make better decisions.
Estate Planning – Assisting you in understanding how your assets are passed to your heirs and working with your attorney to facilitate your decisions.
Fixed Income Assets – Assessment of CD and fixed annuity options available in the marketplace.
Insurance – Evaluating you risks in the event of unforeseen illness or death and assisting in the selection of the proper solution.
Investments – Asset allocation and modeling is based upon risk assessment of each investor. Asset allocation is prepared for in-house accounts as well for 401(k) plans. All investment management will attempt to take into account income needs and tax consequences.
Long Term Care Planning – Assessing the risks to your assets of extensive homecare or institutional stay due to long term care issues. For Connecticut residents, a description of the CT Partnership for Long Term Care is provided.
Option Strategies – For corporate employees with qualified and non-qualified option grants, we can assist with the decisions to exercise and or hold the securities and the tax ramifications associated with the decisions.
Pension Decisions – Understanding the myriad of pension options available to retirees that involve how to protect a souse in the event of death while attempting to maximize the benefit for the retirement years.
Savings – Analysis of Savings alternatives available for tax and estate for implications of 529 College Plans, Roth IRA’s, Traditional IRA’s, annuities and taxable and non-taxable assets. A comparison can be provided with emphasis on tax and estate implications of each vehicle.
Tax Management – Strategies to limit the effect of income and estate taxes on your financial situation.
Other areas of potential planning for clients
Real Estate purchases
Practice sale or purchase for professional