Investment Management Flat-Fee Discretionary Portfolio Management - Account Set-Up & Funding
- Implementation using low-cost ETFs
- Periodic account rebalancing
- Low management fee, independent of portfolio size
- Management of liquidity needs (cash inflows and withdrawals)
- Online "time-weighted" performance and tax reporting
- "Lowest gain" tax lot bookkeeping on taxable accounts
Financial Planning Services Retirement Scenario Planning - Each scenario illustrates the outcome and percentage likelihood of achieving your retirement goal based on a set of assumptions
- Answers to questions such as: Can we afford to retire? How much
do we need to save? Will we outlive our money? - Risk analysis utilizing actual historical returns, "bad timing," and statistical Monte Carlo analysis
Education Funding Analysis & Recommendations - Cost projections based on desired school/degree
- Required savings calculation (lump sum and/or regular investment)
- Recommendation of specific savings account vehicles/types
Life Insurance Needs Analysis - Evaluation of required life insurance amount (both spouses)
- Discussion and recommendation of appropriate insurance type
- Illustrations showing additional insurance required and cash flow
that existing insurance will cover
Employee Stock Option Analysis - Analysis of Incentive Stock Options (ISOs) and Non-Qualified
Options (NQOs) - Sensitivity analysis illustrating the potential decrease or increase in option value based on hypothetical rise and fall of stock price
- Recommendations regarding option exercises and sale of stock
- Educational discussion regarding risks and tax considerations
Note: This is not a comprehensive list; If you are facing a personal financial planning problem or issue, we can help.
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