Pre-Retirees & Living in Retirement

FINANCIAL PLANNING COMPREHENSIVE

A Pre-Retiree is typically between the ages of 55-65, nearing the end of their accumulation phase, and interested in laying the groundwork for a coordinated retirement income plan. Attempting to put away as much money as possible while insulating their nest egg from an ill-timed market pullback are top priorities.

A Retiree is typically aged 60+, migrating into the principal preservation and income generation phases, and seeking the peace of mind a coordinated and dynamic retirement income plan can provide. Developing a Social Security optimization strategy, coordinating required minimum distributions, and ensuring estate planning is in order are all important to a retiree.

Both pre-retirees and retirees seek to insulate their assets from the costs associated with potential long term care needs.

FINANCIAL PLANNING AREAS

AssetMap Visual Balance Sheet
Investment Risk Alignment Report
Customized Asset Allocation Model
Consolidated Multi-Period Investment Performance Reports
Financial Statements and Portfolio Reports
Investment Policy Statement
Retirement Income Projection
Education Funding Analysis and Implementation
Estate Planning (In coordination with your attorney)
Income For Life ® Retirement Distribution Plan,
Implementation & Monitoring (typically age 60+)
Required Minimum Distribution (RMD) Coordination & Compliance - For US Clients only

Employee Benefits Review
Qualified Plan Asset Allocation Review & Recommendations
Protection Planning - Home, Auto, Umbrella
Family Security - Life, Disability, Long-Term Care
Student Loan/Debt Reduction Strategies
Mortgage & Lending Analysis
Cash Flow/Budgeting (In coordination with your accountant)
Tax Planning (In coordination with your accounting)
Financial Considerations of Divorce Planning
Social Security Maximization Analysis
Legacy Planning
Multi Generational Planning
Charitable Giving ( In coordination with your accountant)

BUSINESS PLANNING AREAS

Key Man Insurance Policies and Agreement Evaluation & Recommendations
Buy and Sell Agreements Policies, Agreement Evaluation & Recommendations
401k Evaluation & Recommendations
Non-Qualified Plans
Business Investments - Portfolio Analysis
Voluntary Benefits Suite for Employees
Risk Management & Liability Protection
Continuity, Succession & Liquidity Strategy Consultation

RESOURCES

AdviceWorks
Client Portal
Phone App with Your Personal Financial Information
Account Aggregation and Organizer Tool
Collaboration with other Members of the Financial Planning Team
Secure Online Vault
Financial Planning Calculators
Decipher - Innovative Face Recognition Risk Profile Tool
Educational Workshop Invitations
Web-based Education - Short videos and Presentations
Investment Risk Tolerance
Money Guide Pro
Goal Planning Module
Cash Flow & Budgeting Tool
Weekly & Quarterly Newsletter Subscriptions

INTERACTIONS

2 Initial Complimentary Meetings

6 In-Person Meetings and or Video Conference Per Year

Unlimited Phone / Email Conversations Per Year

ENGAGEMENT LEVELS

OPTION #1:
INVESTMENT ADVISORY FEE

PLEASE REFER TO FIRM'S ADV PART 2 AND THE CLIENT'S AGREEMENT FOR ADDITIONAL PLATFORM, STRATEGIST OR ANY RELATED FEES THAT MAY APPLY. CLIENTS MAY PAY A CETERA ADVISORY PROGRAM FEE AND MANAGER FEE BASED ON SELECTED INVESTMENTS.