Client Experience
Frequently Asked Questions
Cash Flow Planning
- How large should our reserve fund be?
- What is the best way to maximize our earnings?
- How can we automate additional investments into our
accounts?
How We Help
- Build a cash flow plan
- Automate distributions & investments
- Provide investment alternatives for short-term
cash needs
Insurance Planning
- What Long-Term Care options are available to us?
- Should we consider life insurance for estate planning & charitable giving?
- Am I able to self-insure a potential need, or should I consider purchasing a Long-Term Care policy?
How We Help
- Identify insurance needs
- Evaluate existing policies
- Review existing annuity contracts
Tax Planning
- How can our investments be more tax efficient?
- Should we convert our IRAs to Roth IRAs?
- What are the tax consequences of our charitable giving?
- Will our accountant be involved?
How We Help
- Provide annual tax report summary
- Encourage relationships with your CPA
- Develop a long-term tax plan
- Implement philanthropic strategies
Retirement Planning
- What should we expect from social security?
- What is an appropriate asset allocation during retirement?
- Does our income affect our Medicare costs?
How We Help
- Analyze all sources of retirement income
- Discuss appropriate asset allocation to
maximize distributions - Review existing financial plan annually
Estate Planning
- Will our estate be subject to taxes when we pass?
- How do we prepare our beneficiaries to receive their
inheritance? - Will our estate planning attorney be involved?
How We Help
- Review roles & responsibilities of successor
trustees - Ensure beneficiary designations are correct
- Collaborate with attorneys