INDIVIDUALS

Specialized Financial Planning Reports

Investment Planning

We evaluate your current holdings for competitive cost, performance, and risk, and make recommendations to improve returns and reduce risk. We provide this as a complimentary service to our investment management clients. However, if you do not anticipate having us manage your money, then we will provide portfolio analysis on a fee basis.

Retirement Planning Using Monte Carlo Simulation (MCS)

Monte Carlo Simulation is the best technique to dynamically model portfolio performance. It allows us to use statistical data to project the probable interrelated effects of expected return, risk, inflation, and income withdrawal over your lifetime on the value of your portfolio. By using MCS, we can estimate the probability that your retirement assets will be adequate and that you will be able to maintain your standard of living. In a sense, it creates a prescription for the appropriate investment mix.

Traditional retirement planning uses an average of past inflation and investment returns to project the future. Averages represent the middle of a data series, with half the experience below and half above the average. Since only half the data falls above the average, you have a 50% chance of under-performing the average at any time. Since you are withdrawing money from your portfolio during retirement, the order in which investment returns are earned can make a big difference in your financial security. That is why MCS is the most accurate method of developing a retirement plan.

In addition to a report regarding the adequacy of your savings and the appropriateness of your investments, we will:

Help you with the selection of corporate retirement plan options.
Retain, at your option, existing investments and manage the balance of your portfolio.
Help you create an ownership and beneficiary strategy that is consistent with your financial and estate plan.

IRA Planning

Taxes can reduce IRA distributions to your family by as much as 80%. Proper planning can increase the distribution to your spouse, children, and grandchildren by millions of dollars. We can develop a strategy to maximize your assets.

College Funding

This report establishes the savings and assets needed to meet college funding requirements. We develop the investment strategy including evaluation of tax shelter and children`s accounts and trusts.

Estate Planning

The Estate Planning Report is intended to address three goals: adequacy of survivor income, tax minimization, and testamentary distribution. We consider the following issues when planning an estate:

Survivor income needs
Trust ownership of property
Investment planning
Gifts
Grantor Retained Interest Trusts
Life Insurance
Testamentary strategies
Family Partnerships
Charitable Trusts
Business Planning
Retirement Plan Strategies

We coordinate the Estate Plan findings with the Business Plan, Retirement Plan, Insurance Plan, Income Tax and Investment Plans.

Risk Management

We evaluate all forms of insurance including property, liability, auto, professional liability, health, life, and disability. If appropriate, we discuss how property may be titled to protect it from potential legal settlements, and we examine the use of Off Shore Trusts. This report is coordinated with Cash Flow, Estate Planning, and Business Organization reports.

Income Tax Planning

This report projects state and federal income tax. Results are reflected in the Cash Flow and Net Worth report. It is used to assess planning opportunities.

Business Planning

If you own a business, we evaluate different organizational forms of doing business and various capitalization strategies for minimizing personal liability, income, and estate taxes. We evaluate and design fringe benefit plans. We also design business buy out agreements. This report is coordinated with the Tax, Cash Flow, Estate, and Insurance reports.

Cash Flow, Financial Statement, Net Worth

Used for forecast survivor income needs and a retirement budget, and to help demonstrate the impact of planning opportunities.