What Are Your Concerns?

Check the Boxes Where You May Have Concerns or Questions

Retirement Planning

• When taking into account inflation and taxes, how much money will it take to retire comfortably?
• How much do I need to save and invest to have enough?
• Should I be deferring more of my money in my Retirement Plan or investing outside the Retirement Plan?
• When I retire, which Investment Accounts should be used first?
• Who should be the beneficiary of my Retirement Plan?
• Should my Children be the contingent beneficiary of my Retirement Plan or is a Trust better?
• Should my IRA be converted to a Roth IRA?

Financial Planning

• Is there a way to aggregate all my various Investment and bank accounts into a consolidated view?
• If my home were suddenly destroyed by fire or a natural disaster, how would I reconstruct all my important documents and records such as deeds, titles, birth certificates, appraisals, insurance policies, investment and loan accounts, etc.?
• How should our assets be titled? Individual Names, Joint, Tenants In Common or a Revocable Trust?
• Should Home Equity Loans be used to fund expenditures?
• Am I adequately prepared in case I cannot work because of an accident or illness?
• What is the best way to fund my Children’s or Grandchildren’s college education?

Investment Management

• Is it possible to achieve better Investment returns without increasing my risk?
• How are my Investments performing compared to their respective Benchmarks?
• Do I have a systematic way to evaluate my Investments and are my Investments getting me closer or farther away from my goals?
• Can I reduce the taxes I pay on my Investment returns?

Estate Planning

• I am confident my Estate Plan distributes my Estate in a manner consist with my Values, in an Appropriate Amount, at the Appropriate Time and at the lowest possible overall Tax Cost?
• In light of changes in the tax law, does my current Estate Plan still accomplish my goals for my family?
• Have my assets and financial situation out grown my current planning; should I be considering more comprehensive planning techniques?
• Do I have the right Trustee(s) and Successor Trustee(s) named in my Trusts?
• Does my present plan provide Asset and Divorce Protection for my Children and Grandchildren?
• How much should I leave to my Children and Grandchildren; how much is enough and what is too much?
• How can I include Philanthropy in my Estate Plan?
• In the event of my death, do I have a “Transition Book” for my family to follow?

Insurance

• Do I have the right amount and right type of Life Insurance?
• Who is the beneficiary of my Life Insurance?
• Is my insurance coordinated with my overall Estate and Financial Plan?
• Should a Trust own my Life Insurance?
• How do I know how much insurance is enough? If I have more than I need, where should the excess go?