INVESTMENT PLANNING

When it comes to planning for your future, have you considered the following questions?

Are you on track for future life goals?

• Retirement
• Estate
• Education
• Charity

Are you saving in the most tax-efficient ways possible?

• SEP IRAs, SIMPLE IRAs, 401ks for Small Businesses
• 401k Rollovers
• IRA Consolidations
• Roth IRA Contributions
• Roth IRA Conversions
• 529 Plans
• Custodial Accounts

Are your investment and estate plans properly coordinated?

• Beneficiary Designations
• Account Registration
• Trust Funding
• Life Insurance

The answers to these questions are never as simple as they seem. Moreover, some of these topics are easily overlooked, but unbelievably important when the unexpected occurs. Steve, our practice’s Managing Principal, is fond of saying, “Every client is different.” Similarly, Scott differentiates our specialty in working with individuals and families from managing investments for large financial institutions by saying, “Our advice for clients is 50% math and 50% psychology.” An advisor should help explain when the math is overwhelming or when an individual’s peace of mind should take priority and the trade-offs involved. After all, what’s the point of sacrificing, saving, and accumulating wealth over a lifetime if we can’t sleep at night?