An independent objective analysis

This analysis gives you an objective view of your investments, their performance compared to the market averages and their peers, as well as identifies the risk and costs associated with owning those investments.

A social security and income tax analysis

This analysis is a review of your tax return, to determine if there are any tax or money savings strategies that would apply to you, including the potential reduction of the taxes paid on your Social Security benefits.

An IRA rehabilitation analysis

This analysis would help reveal deficiencies in your IRA or retirement accounts, including the proper titling of your accounts, properly naming your beneficiaries, and whether or not you have the right type of investments inside your IRA for your particular situation.

An estate planning action plan

Estate planning is not only for the rich. Proper estate planning includes reviewing or creating a plan so that you are prepared when an illness or death strikes your family. A typical package may include wills, financial and medical powers of attorney, living wills, declarations of guardian and a HIPAA authorization. An estate planning attorney (either yours or I could refer you to several) would handle the legal part of this plan.

An asset cycle portfolio system

This system theoretically divides your money into piles and assigns job descriptions to those piles. The idea is to have your money working for you in an efficient manner at all times. By giving your investments a specific task and timeframe, this may help alleviate the stress and emotions regarding your investments.

An equity and liability management program

If you are a homeowner and have equity trapped inside your home, this program could possibly release those lazy equity dollars and have those dollars help you achieve your financial goals. If you have consumer debt, this program may quite possibly ignite your retirement picture.

An ‘asset based’ and ‘traditional’ long-term care analysis

It is my experience that many retirees do not have long-term care coverage. The #1 reason I hear is that “it is too expensive”. This analysis outlines a long-term care strategy that considers keeping as much of your assets as possible, working for you.

An “in-force” life insurance audit

If you have life insurance, do you know how long the coverage will last? Will you have to increase your premiums in the future, just to keep the policy from lapsing (not all life insurance policies are permanent)? This audit identifies the details of your existing life coverage and if applicable, an alternative will be presented.