Investment Management

• Provide access to institutional level asset management
• Provide independent recommendations without bias toward particular products or investments
• Evaluate your tolerance for risk and loss to design appropriate investment strategies
• Design and maintain personalized investment solutions and a portfolio appropriate to your needs
• Provide ongoing due diligence and monitoring of investments
• Electronic delivery of statements and online aggregation of accounts
• Discuss and present alternative investment solutions for portfolio diversification
• Recommend proper allocation and positioning of funds in retirement plans such as 401(k)s

Tax and Income Planning

• Comprehensively review your tax situation to highlight opportunities for optimal tax positioning
• Incorporate tax law changes and projections into your planning and investment strategies
• Consult with your tax preparer to make sure all finances and solutions are aligned
• Review marginal tax brackets and opportunities for:
  • Roth conversions
  • Tax Loss Harvesting
  • 0% Capital Gain Bracket Maximization
• Required Minimum Distribution projections and planning
• Net Unrealized Appreciation (NUA) analysis
• Review of private employer or PERA pension claiming options

Social Security Planning

• Review Social Security strategies to coordinate with retirement planning goals
• Analyze claiming options to balance maximizing benefit with impact on nest egg
• Analyze effect of Government Pension Offset and Windfall Elimination Provision
• Review limitations and effects pre Full Retirement Age claiming
• Integrate Social Security into tax and income planning

Estate Planning

• Review your current estate plan, Will, trusts and powers of attorney for concerns and necessary changes
• Assist in asset transfer strategies and beneficiary review
• Organize meetings with your family to review your financial and estate situations
• Provide guidance with the appropriate and necessary steps in the event of the death of a loved one
• Assess philanthropic giving solutions through understanding your family goals and charitable values
• Consult with your estate planner to make sure all solutions are aligned

Medicare and Health Insurance

• Review of health insurance options
• Analysis of COBRA and Exchange based coverage
• Medicare enrollment support
• Medicare Supplement review and recommendations
• IRMAA Planning
  • Coordinate tax and income planning for IRMAA reduction
• Health Insurance Exchange
• Coordinate tax and income planning to identify opportunities for health insurance tax credits

Insurance and Risk Management

• Evaluate existing insurance coverage and plan for additional protection needs
• Analysis and Review of:
  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance
• Review of insurance based products for asset protection  

Additional Offerings

• Provide referrals to other professionals who can help address all elements of your total financial picture
• Analyze and implement solutions for employee benefits administration for your small business
• Find solutions for executive compensation investments such as restricted or concentrated stock holdings