Special Circumstances And Life Stages Planning

In specific conditions, the captain will deploy the spinnaker to take advantage of a specific wind condition. Our additional financial planning services are focused on helping you leverage your wealth to address more specific and unique goals.

Life Stages Planning

Accumulation Life Stage:

• College Planning — Tax-advantaged college savings plan strategies.
• Company Benefits Planning — Independent analysis and recommendations for employer-sponsored retirement benefits, life, health and disability insurance.
• Debt Management — Create strategies for business and personal debt restructuring, including student loan debts.
• Real Estate Transactions — Independent analysis on real estate investments and qualified real estate exchange planning.
• Retirement Account Consolidation — Qualified rollover planning.
• Specialized Insurance Planning — Captive insurance strategies.

Pre and Post Retirement Life Stage:

• Social Security Optimization — Social Security benefits can be optimized to your specific situation and can provide increased income to help create a successful retirement plan.
• Long-term Care Planning — Specialized insurance strategies to pay for costs associated with long-term health care.
• Health Care Gap Strategies — Medigap and Medicare supplement planning.

Special Circumstance Planning:

• Estate Planning — A complete plan review and the comprehensive creation or update of all legal estate documents.
• Real Estate Transactions — Independent analysis and recommendation on budget size and mortgage options for residential and commercial real estate purchases.
• Divorce and Marital Separation Consulting — Qualified Domestic Relations Order planning and rollover management. Asset valuation services, guidance on asset sales and asset transfers.
• Job Change Planning — Benefits analysis and incentive negotiation strategies.
• Values-Based Portfolio Structure — Financial plans that align with your ethical and social viewpoints.
• Location Change Planning — Budget management and recommendations for liquidating, transferring and purchasing assets during a relocation.
• Incentive Stock Options Strategies — Independent analysis, recommendations for acquisition and disposal of company stock option packages.
• Concentrated Stock Position — Portfolios containing RSU and ISO grants require careful consideration. Knowing which to liquidate, and when, can lead to a tax-efficient portfolio with enhanced upside. We make sure you understand all aspects of these complex portfolios.

401k and Pension Consulting:

• Plan Development and Implementation — Create custom benefits programs, executive compensation solutions, investment offerings, advisory, and ongoing due diligence services.