Are You A Fit For Our Firm?

• Do I feel confident in my current financial plan?
• Do I have a coordinated and comprehensive financial, wealth, tax, and estate plan?
• Have I had an independent fiduciary review of my financial plan?
• How do I save for my children’s future opportunities beyond 529 College Savings Plans?
• Should my resources have different investment strategies if they are intended for different goals?
• Do I have a plan in place in the event me or my spouse passes away?
• Is my employer life and disability insurance going to be enough to provide for my family?
• Are my personal life and disability insurance policies appropriately structured?
• Should I take advantage of the Roth option within my 401(k) plan? Is a “mega backdoor” Roth strategy appropriate for me?
• Can I put money into a Roth IRA if I exceed the IRS income limits?
• Should I participate in an HSA or FSA?
• How do I create an inter-generational wealth and estate plan that protects my children and their inherited resources from a potential divorce or creditor?
• What legal documents does my 18-year-old “adult” need?
• How do I plan for my “blended” family?
• How should I approach funding a future major purchase (e.g., second home, business and investment opportunities, etc.)?
• Are my assets appropriately owned or titled to mitigate potential creditor risk?
• Are my resources and financial strategies being optimized for tax efficiency?

Financial Representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.

• Are my resources appropriately invested to provide income and growth through 20-30 years of retirement?
• How do I create tax efficient retirement income that can weather prolonged market swings?
• What is the appropriate amount of cash or “cash equivalents” I should keep available as I enter retirement?
• How do I incorporate Social Security Benefits into my retirement income plan and what’s the best way to maximize my payout?
• Should I pay off my house early or maintain a mortgage into retirement?
• How would a Long Term Care event impact my retirement plan and what are my options for funding?
• Is a Roth Conversion strategy appropriate for me to create a tax-free income stream?
• How should I proactively plan for RMD’s (Required Minimum Distributions)?
• How do I create, manage, and administer a legacy plan for my children and/or grandchildren?
• Do my current resources trigger a taxable estate at my death?
• Should I gift assets now to my family or transfer resources when I pass away?

• How much concentrated company stock should I own?
• What tax and diversification strategies should I be aware of with RSU’s, stock options, and equity awards?
• Should I participate in my employer stock purchase plan?
• Should I participate in a structured 10b-1 trading plan?
• What savings strategies are available once I “max fund” my 401(k)?
• How do I approach an 83(b) election?
• What personal planning should I engage in while my company is in a pre-revenue stage?
• What planning opportunities exist with privately held founder’s stock?
• If my company is acquired or goes public, how would a “liquidity event” impact my financial plan?
• Is Directors and Officers Liability coverage sufficient to protect my assets?
• Can I avoid pledging personal assets for my start-up?

• Do I have the right organizational structure?
• How should I structure my compensation (wages, dividend distributions, etc.)?
• What are my options regarding the sale of my closely held business?
• How can I incentivize and retain key team members?
• Are my employer sponsored benefits being optimized?
• What are Supplemental Employee Retirement and Deferred Compensation Plans?
• How can I pass on my business to the next generation or key team member?
• Do I have the appropriate operating agreement in place for business continuation?
• How can I protect my personal assets from corporate creditors?
• Is my buy-sell agreement appropriately funded?