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Other Services

Here are other services that are frequently requested by my clients. If you have concerns that encompass two or three specific concerns, you may want to consider the Right Track Review®.  If you have a larger constellation of concerns, the Wise Wealth Comprehensive Planning Process may be the right program for you.

 Windfall Wealth Consulting: The advent of a financial windfall is almost always the result of some profound life-changing event beyond your personal control. Addressing the issues associated with such an event requires an advisor with life-planning skills and experience.

Retirement Income Distribution: Planning your retirement income is akin to landing an airplane. If you come in a little too high, it is easy to correct prior to landing. However, coming in too low can have disastrous results from which there is no recovery. Because there is no paycheck, you must decide which account to access, and how much to withdraw. These decisions impact  your taxes and, ultimately, your lifestyle options for the long term.

Social Security Maximization: Choices for your remaining years are irreversible. You need to know what questions to ask when making these decisions that have such far-reaching financial implications for your retirement.

Investment/Withdrawal Policy Development: A road map with guidelines for evaluating progress toward your goals, either in the accumulation phase or the withdrawal phase of your investment life. Risk tolerance, timeline, investment performance and other benchmarks are defined so future performance can be assessed. This is particularly important during the retirement years, because there is no time for "do-overs".

College Search Consulting: The first step in the college selection process is determining admissibility and affordability. We provide this service because of the overwhelming impact of college costs on all other components of your financial plan.

Asset Allocation Assessment: This is an in-depth review of your current portfolio holdings, e.g., IRAs, 401(k)s, Roth retirement plans and other holdings...his, hers and ours. This is especially necessary when you have two-career families with dual (or dueling) retirement plans in the mix. Folks who are beginning a second career are particularly in need of this service when they are presented with multiple choices that may be duplicative of either spousal or prior benefit plans. Total costs are dependent on the complexity of the engagement.

Annual Review: For my returning clients. Costs vary, depending on changes in portfolio or life events.

Additionally, I address:

Retirement Planning Concerns
  • Pension distribution choices
  • Social Security options
  • ROTH conversions
  • Investment withdrawal statement
  • Retirement income planning (replacing the paycheck)
Investments
  • Second opinions
  • Investment Policy Statement
  • Asset allocation
  • Asset reallocation
  • Portfolio review
Risk Mitigation (Insurance)
  • Life
  • Health
  • Long-Term Care
  • Medicare
  • Property
Estate Planning Review
  • Power of Attorney
  • Wills and Trusts
  • Account designations
  • Beneficiary designations
Other Topics of General Interest
  • Windfall wealth planning
  • Annual Review
  • College Search
  • Cash Flow Analysis (“budgeting” is such an unpleasant word)
  • Plan Implementation support
  • Lump sum distribution decisions
  • Seminars on timely issues of financial concern
  • Corporate employee financial education