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 pain points. Please note: This service is independent of the other services previously described.

Life Stages Planning

Early Career:

• First Home Purchase — Independent analysis and recommendation on budget size and mortgage options for residential home purchases.
• 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.

Accumulation Life Stage:

• College Planning — Tax-advantaged college savings plan strategies.
• Buy/Sell 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.
• First Home Purchase — Independent analysis and recommendation on budget size and mortgage options for residential home 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.
• Socially Responsible Strategies — We can create financial plans that align with your environmental, social and company governance beliefs.
• 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 — Manage concentration through an option strategy.

Business Consulting:

• Business Succession Planning — Create strategies and manage the transfer of a privately held business to your designated successor(s).
• Business Acquisitions Planning — Create an independent valuation and acquisition plan.

401k and Pension Consulting:

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