Additional Financial Planning for Plan Participants

We can provide additional financial planning services for plan participants.  At a reduced rate, plan participants are able to receive the same financial planning and advice we typically only offer to our high net worth clients.

We offer financial planning in four different modules.  This way you can customize your planning package according to your needs.  Purchase more than one planning module and save!  If you purchase two or more modules you receive further price cuts. 

Single Module Pricing

The Retirement module compares the client's current income and capital resources funding projections against their expected costs in retirement. The module then provides options for consideration if the analysis results in a shortfall.

Accumulation Analysis--The Accumulation module compares the client's current funding projections against an expected capital expenditure. The module then provides options for consideration if the analysis results in a shortfall.

Asset Allocation Analysis--The Asset Allocation module presents the client's current assets broken down by asset class and asset type. The module provides a risk tolerance questionnaire, and the answers provided are used to produce a recommended asset allocation for the client.

Financial Statements Analysis--The Financial Statements module examines the client's basic financial condition, including net worth, income, expenses, and current cash flow. The module also provides an analysis of the client's available reserves in the event of an emergency.

The Education module compares the client's current funding projections against their goals, objectives, and expected costs for higher education.  The module then provides options for consideration if the analysis results in a shortfall.  We will analyse and may recommend a 529 plan that will help you meet your goals and help you take advantage of tax incentives.

Life Insurance Analysis--The Life Insurance module examines the impact of a premature death. The analysis determines the survivor's ability to maintain their desired standard of living and how much life insurance is needed to cover any shortfall.

Long Term Care Analysis--The Long Term Care module examines the impact of a long term care health event. The analysis projects the accelerated liquidation of the client's capital resources and conducts a cost comparison of new long term care coverage.

Asset Protection Analysis--The Asset Protection module examines a client's available insurance, and the impact of unforeseen events. Death and disability are viewed through the resulting loss of income. Homeowners insurance needs are examined. Finally, the need for an umbrella policy to protect the client across multiple policies is analyzed.

Disability Analysis--The Disability module examines the impact of an unexpected disability. The analysis determines the client's lost income and how long term disability coverage could help replace the lost income.