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Investment Planning

Many of your long-term goals are dependent on the sustained growth of your investment portfolio. This segment of the plan will build a customized investment portfolio that maximizes the highest possible return, and minimizes risk. This model will be based on your time horizon, risk tolerance level, tax situation, future income needs, and your goals and objectives. We will perform a complete analysis of your current portfolio, and than compare it to the recommended model or ideal portfolio, including potential future values. We will than suggest how any of the investments might need to be reallocated over various asset classes, and run a "Monte Carlo Simulation" to ensure the investment allocation will meet your goals. Specific investments will be recommended. The various asset classes may include but are not limited to:
 

• Large Cap Funds (Growth and Value)
• Small Cap Funds (Growth and Value)
• International Funds (Large and Small)
• Individual Stocks

• Corporate Bond Funds
• Government Bond Funds
• Cash and Money Markets

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The foundation of financial planning is an analysis of your current financial position. Specifically, this means identifying your sources of income and expenses and preparing a financial statement. This information is necessary to make prudent recommendations regarding your short-term and long-term financial goals. This segment of the plan will evaluate cash flow in determining how income is currently being spent. We will examine and itemize total income vs. total expenses, in determining whether their is a surplus or deficit at the end of the year, and the best ways to balance your budget if you are currently living beyond your means. Also included:
 

• Income Earned Over your Lifetime
• Net Worth Statement

• Creating a Budgeting System
• Risk Leveling of your Various Assets

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College tuition and related expenses have increased at a rate double the inflation rate for the last several years, making it that much more difficult to afford a college education. This segment of the plan will determine the future costs of a college education, and provide you with the various funding methods available, in allowing you to send your child to the school of their choice. We will review assets currently available, and examine the specific dollar amounts that may be required on a monthly, or lump sum basis, including alternative investment recommendations. We can also project the future cost of any specific university.

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Since you are exposed to a variety of potential hazards that can lead to financial hardship, it is important to consider insurance in your overall financial plan. These hazards typically include loss of income due to death or disability, health care costs, catastrophes effecting your home, and personal liability issues. This segment of the plan will evaluate and project the surviving spouse and other dependents, future financial needs. We will review available resources for income, including current insurance programs, and the economic loss associated with a death of either spouse. We will also review your current insurance policy's to make sure you are not paying more than you need to.

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Many people today have several long and short-term goals outside of the traditional college and retirement funding. Whether it is a cabin in the mountains, a boat, or an extended vacation, this segment of the plan will evaluate current and future accumulation and or savings goals, and the associated dollar amounts required for funding. We will review assets currently available, and factor in time horizon, return on investment, and short falls if any, to help you realize your dreams for the future.

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No one enjoys paying taxes, but minimizing that liability on your financial life should be a top priority. This segment of the plan will calculate and evaluate current income taxes, and will include a summary of some specific tax reduction strategies. We will review and itemize total taxable receipts, and the percentages that are paid out in social, state and federal levels. This also includes examining your marginal tax bracket, and the real rate of return on investments, after inflation and taxes. 

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The essence of estate planning is arranging your affairs so that property transferred at your death is done efficiently, according to your wishes, and without significant estate tax liability. This segment of the plan will calculate and evaluate the impact of estate taxes. We will assist you in preserving assets today, and in the future, as you accumulate a greater amount of wealth. Specific tax saving strategies will be provided, to assist you in minimizing estate liabilities, ensuring that the Government isn't your main beneficiary. Additionally, it is important for the estate plan to consider the care of your dependents and the management of your assets and health care if you are incapacitated. We will also assist in establishing or updating a will or trust. Other areas of consideration will include:

• Maximizing the Unified Credit
• Uses of Various Wills and Trusts

• Methods of Providing Estate Liquidity
• Future Growth of the Estate

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• Social Security Benefits Summary
• Complete Investment Analysis

• The Impact of Inflation
• Defining Retirement Lifestyles

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