Our Plans Can Take Into Account
Your Wealth & Money
Life Fulfillment
• Your Core Values: meaningfully discussing your values
• Purpose in Life: crafting your Life Purpose Statement
• Family and Close Relationships: mapping your relationship dynamics
• Financial Comfort Level: validating your ability to reach personal goals
• Your Bucket List: helping you get it done
Income and Expenses
• Income Stability: analyzing your Social Security, pensions, investments, annuities, wages, self-employment income
• Expenses and Your Values: aligning your use of your money with what is important to you
• Cash Flow Projections: estimating your future cash flow
• Medicare: reviewing your current and projected health care costs and coverage
• Withdrawing from Investments: evaluating Target Funds, Guardrails, Bucketing, Bond Ladders . . .
Tax Planning
• Income Tax Management: controlling timing of your income to stay in lower tax brackets
• Tax Loss and Tax Gain Harvesting: strategic selling to minimize taxes on capital gain, reset cost-basis . . .
• Roth Conversions: potentially lowering taxes in future years
• Required Minimum Distributions (RMDs): reducing through QLACs and QCDs
• Social Security Taxation: controlling income to minimize taxation on Social Security income
Investments Review
• Identify Investment Risk Tolerance: understanding your feelings and reactions to investment fluctuations
• Portfolio 2nd Opinion: reviewing your investments for alignment with goals and safeguards
• Fees and Cost Analysis: identifying your fees and comparing your costs
• Asset Allocation and Asset Location: checking for appropriate diversification and alignment with goals
• Portfolio Rebalancing: helping to realign asset allocation and asset location when out of line with targets
Debt Managing
• Credit report audit: reviewing your credit reports for errors, identity theft and fraud
• Debt consolidation: exploring options such as balance transfers to lower interest costs
• Life Insurance policy loans: reviewing implications for beneficiaries, taxes, and estate planning
• 401-k loans: quantifying impact on income and savings
• Reverse Mortgage: evaluating for strategic value in accessing home equity
Home and Rental Property
• Aging in Place Modification: assessing home changes for your continued independent living
• Reverse Mortgage: analyzing suitability to tap home equity
• Downsizing Options: estimating costs and benefits of relocating to smaller residence
• Continuing Care Retirement Communities: researching and evaluating options
• Rental Property: reviewing rental finances, operations and depreciation
Your Business
• Start-up Business idea sounding board: assessing ideas and researching market demand
• Financing your start-up: finding money for your business startup and ongoing costs
• Business Plan: drafting your business plan
• Licensing and Business Formation: getting your business license and choosing business structure
• Marketing Plan: creating your brand, designing logo, building website
Your Safety & Protection
Insurance
• Life Insurance: assessing appropriate type and amount to align with your need and priorities
• Medicare: exploring options when your premiums rise
• Long-Term Care: searching for affordable choices
• Homeowners / Auto: shopping for better rates and coverage
• Travel /Pet: evaluating these often overlooked important areas
Fraud / Abuse
• Credit Freeze and Fraud Alerts: using available tools to prevent or detect unauthorized activity
• Trusted Contacts: preserving your communications with your financial institutions
• Passwords and security settings: auditing for strong passwords and multi-factor authentication
• Documents and Contracts: reviewing for signs of fraud or abuse.
• Documents Vault: safeguarding important documents
Home Safety
• Home Hazards: identifying safety hazards and changes to reduce risks from falls, fire, and natural disasters.
• Emergency contacts and evacuation plan: listing emergency contacts and formulating an evacuation plan
• Disaster Supply Kit: assembling and maintaining emergency kit with food, water, medicines, and first aid
• Power outage: preparing back-up power sources such as portable generators
• Water Supply Disruption: maintaining water reserves such as bottled water, rain barrels, and water purifiers
Medical Emergency
• Medical Info for 911 EMTs: placing on fridge and in car list of medications, illnesses, allergies, doctors
• Medical Info Bracelet or Necklace: wearing bracelets or necklaces with essential medical information
• CPR and Heimlich Maneuver: keeping yourself and folks around you proficient in these important skills
• Stroke and Heart Attack Recognition: teaching family members to recognize symptoms and take quick action
• Advanced Health Care Directives: completing/updating living wills, medical POAs, DNRs, POLSTs, MOLSTs, TROPP . . .
Care Giving / Receiving
• Care Plan: organizing detailed plan for daily routines, med schedules, and special needs
• Care Provider Search: helping to find home health aides, personal care assistants, or companion care providers
• Care Facility Search: helping to locate and compare adult day care centers and assisted living facilities
• Care Costs: researching and estimating costs
Your Life & Legacy
Future Generation Planning
• Life Retrospective: reflecting on life fulfillment
• Legacy Vision: communicating your values and memories for your future generations.
• Family History: documenting, sharing, and passing on
• Family Dynamics: preparing to resolve family conflict and foster family harmony
Volunteering
• Values and interests alignment: reflecting on your values and interests to find fulfilling roles
• Discovering Opportunities: helping you find volunteering opportunities that resonate
• Vetting Volunteer Organizations: researching organizations for alignment with your values and goals
• Sense of Accomplishment: understanding your positive impact on the organization and to society
• Feeling of Fulfillment: appreciating your positive impact on folks you’ve helped, and on yourself
Charitable Giving
• Charitable Values and Passions: understanding your philanthropic passions
• Nonprofits Vetting: evaluating mission, efficiency, and impact
• DAFs, QCDs, and Bunching: using various strategies to meet your philanthropic goals and reduce tax
• Donating Appreciated Assets: minimizing capital gains taxes
• Charitable Annuity Trusts: analyzing suitability, costs and benefits
Life Events
• Birth of grandchild and education planning: suggesting choices for education savings plans, 529 accounts, or trusts
• Inheriting an IRA: untangling the complexity of RBD, 5-year, 10-year, and other rules
• Loss of Spouse: mitigating “widow/widower’s tax penalty” + adjusting Social Security to maximize survivor benefits
• Moving Out of State: preparing and managing relocations
• Sudden Illness: preparing to manage multitude of hospital, doctor and recovery bills
Estate Planning
• Will, Trusts, Life Insurance, Beneficiaries, PoAs, Account Titling: reviewing and updating all documents
• Charitable Giving: Analyzing trusts, gifts, and bequests to maximize philanthropic impact and tax deductions
• Inheritance Equivalency: accounting for tax status of taxable accounts vs tax-deferred vs tax-free accounts
• Estate Settlement Guidance: helping executors, trustees and trust protectors understand their duties
• Trusts: explaining use of revocable living, ILIT, CRT, GRAT, IDGT, SLAT, QPRT, SCIN, Life Estate . . . .
