Our Services

LEARNING ABOUT YOU

• Learning your goals, values, and mission. 
  
• Assessing your risk tolerance and time horizon.
  
• Determining your communication style.
  
• Learning about your investment philosophy.
  
• Analysis of your cash flow and any debt concerns.

RETIREMENT INCOME PLANNING

• Retirement plan analysis and review.
  
• Asset allocation analysis.
  
• Seeking to optimize contributions across plans.
  
• Projecting retirement income using “what if” scenarios.
  
• Distribution, income planning, and tax reduction strategies.
  
• Strategies and recommendations.
  

INVESTMENT CONSULTATION AND PORTFOLIO ANALYSIS

• Identifying time frame and goal for each investment.
  
• Asset allocation analysis.
  
• Consolidate and streamline accounts.
  
• Investment tax reduction strategies.
  
• Debt management.
  
• Asset preservation.
  
• Planning for other life goals (living abroad, weddings, etc.).
  
• Strategies and recommendations.
  
• Quarterly update and review meetings.

ESTATE PLANNING (in consultation with your estate planning attorney)

• Review of your existing wills, trusts, and other estate documents.
• Review beneficiary designations for all accounts, annuities, real estate, and insurance policies to help assure proper integration with your estate plan.
• Discussion of charitable gifting strategies.
• Advanced estate planning techniques (may require separate planning fee)
• Strategies for reducing gift and estate taxes on wealth transfer.
• Uses of life insurance trusts.
• Uses of annual exclusion gifts and lifetime gift tax exclusion.
• Reducing the generation skipping tax.
• The changing landscape for the estate, gift, and income tax.
• Pending legislation and current opportunities.
• Strategies and recommendations.
  

SURVIVOR NEEDS PLANNING

• Survivor needs analysis.
  
• Strategies for meeting lump sum needs.
  
• Income needs strategies.
  

INSURANCE PLANNING

• Review of all existing coverage (life, long term care, disability income, ADandD).
  
• Design and consultation of policy ownership, including beneficiary designations.
  
• Recommendations for additional coverage as needed (including getting multiple quotes to find the most competitive offers).
  
• Referrals to competent PandC insurance carrier as needed.
  

TAX PLANNING (in consultation with your CPA)

• Review of your personal and business tax returns.
  
• Discussions with your CPA.
  
• Strategies and recommendations for tax reduction.
  

EDUCATION PLANNING

• 529 College Savings Plans
  
• UTMA and UGMA accounts
  
• Coverdell Education IRA
  

BUSINESS STRATEGIC PLANNING (Refer to our Menu of Business Strategies)

• Design and implementation of qualified retirement plans for business owners.
• Review and analysis of existing business succession, including exit strategy.
• Plan design and review (with your attorney).
• Funding considerations
• Recommendations
• Executive compensation
• Deferred compensation
• Executive perks

LPL Financial does not provide tax or legal advice.