Asset management

  • Discretionary Investment Management (Portfolio Focus)
  • Asset allocation
  • Time horizon
  • Withdrawal strategies
  • Stock concentration
  • Review investments held outside RBC
  • 10b5-1 stock plans

Estate planning and charitable giving

  • Wills
  • Power of attorney
  • Living will
  • Health-care proxy
  • Trusts
  • Irrevocable life insurance trusts
  • Estate taxes
  • Guardians for minor children
  • Charitable giving and trusts

Retirement planning

  • Retirement goal setting
  • Social Security and Medicare
  • Business planning
  • IRA contributions and conversions
  • Employer-sponsored plans and 401(k)s
  • Annuities and pensions
  • RMDs and withdrawal strategies
  • Self-employed retirement plans

Risk management and insurance

  • Review of existing policies
  • Life insurance needs
  • Long-term care insurance
  • Disability insurance
  • Liability coverage

Cash flow and budget

  • Income sources
  • Expenses and budgeting
  • Debt management
  • One-time expenses
  • Planned large expenses
  • Emergency funding
  • Dollar cost averaging
  • Mortgage review
  • Lines of credit

Assistance to loved ones

  • Gifting
  • Education planning
  • 529 College savings plans
  • Roth IRAs for children
  • UGMA/UTMA

Tax planning*

  • Review of cost basis
  • Review realized gains
  • Carry forward losses
  • Tax-loss harvesting
  • Deductions and credits
  • Potential Roth conversions
  • Health Savings and Flexible Spending accounts