As Fiduciaries, we have a responsibility to put your interests first, remaining transparent and helping to empower you to make smarter decisions for your financial future.   Here’s a look at the foundational process we use to see a fully detailed picture of your finances.   Using our 3-step review gives us the background and insight we need to provide customized advice.

Step 1 – Tax Analysis

Before we do anything else, we want to understand your current tax situation. Over the years we’ve learned most clients and their CPAs are not actively engaged in tax forward planning.  As a result, missed opportunities, phantom income, and incorrect usage of taxable and tax deferred strategies remains quite common.  Our aim is to help you stop your money from falling through the cracks and ensure you have a solid, smart financial foundation for future growth and distributions. As a result, missed opportunities, phantom income, and incorrect usage of taxable and tax deferred strategies remains quite common. Our aim is to help you stop your money from falling through the cracks and ensure you have a solid, smart financial foundation for future growth and distributions. We want to stop all money from falling through the cracks and ensure you have a solid, smart financial foundation for future growth.

Step 2 – Income Analysis

This step involves accessing and determining which sources of income to use and at what time to use them- this becomes especially complex as you approach or near retirement.  At this stage we help to design and construct income solutions so that both spouses can continue to live in the lifestyle they are accustom to when even after their spouse passes away.

Step 3 – Risk Analysis

Investments come in all shapes, sizes, and risk levels.  We take steps to determine exactly what kind of risk exposure aligns with your comfort levels.  Ultimately, we strive to help our clients understand what risk is, and how much is appropriate for them depending on their unique and personal situation.

We use a set of simple questions to identify your risk comfort level combined with active tactical management to help you steer clear of large market losses that as a retiree you may want to avoid.

Watch the video below to learn more about our 3-Step Money Matters Review:

 

Here is a small sample of the questions on our 3-Step Money Matters Review:

TRUE or FALSE Answers:

  1. We have never heard of Phantom Income.
  2. We did not pay our CPA a “tax forward” planning fee last year
  3. We hold stocks, mid to long term bonds and mutual funds inside of our IRA’s.
  4. We do not have plan for “getting out of the market” when or if it falls.
  5. We are not using the advice of a Fiduciary when making investment decisions.

If you answered “True” to one or more of these questions, you may really benefit from a complete and comprehensive review. To learn more details about the review, contact us today.

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