Richer Experience

Understand Your Financial Concerns

Examine Your Present Financial Situation	Have Adequate Protection	Accumulate Wealth
Know your current net worth	Provide for dependents in case of death	Create a cash reserve
Track your current income and expenses	Replace earning power if disabled	Buy a house or vacation home
Estimate your future net worth, income and expenses	Address health care concerns	Buy a business or income property
Plan for emergency needs	Provide for auto, home and personal liability protection	Accumulate money for education expenses
Determine the value of your business	Provide for potential long term care costs	Save for a special purpose
	Protect your ability to pay a mortgage	Manage debt
	Protect your ability to meet accumulation / education goals	Review investment portfolio
	Plan for business continuation
	Provide for a special needs child or dependent

Manage Income Taxes	Plan for Retirement	Preserve Wealth
Manage federal income taxes	Ensure adequate retirement income: Government benefits Employee benefit plans Personal savings and investments	Manage excessive estate settlement costs and inheritance taxes
Manage state income taxes	Provide for the cost of adequate: Medical care Nursing home care	Continue or transfer ownership of: Personal assets Business assets
Estimate federal and state income taxes	Manage retirement distributions	Use estate planning vehicles
Analyze how your business affects personal income taxes	Use business assets for retirement	Provide estate liquidity to meet estate settlement costs
Review stock option plans	Estimate the impact of earlier or later retirement age	Assess the effects of blended family on estate plans
Develop charitable gifting strategies		Address the impact of property owned in different states

Enjoy a richer experience planning for your future.