Retirement Planning

• Social Security and Medicare
• IRA contributions/conversions
• RMDs/withdrawal strategies
• Achieving retirement targets
• Annuities & pension analysis
• Employer-sponsored plans
• Budgeting, debt management

Investments

• Review of all portfolios
• Investment Policy Statement
• Asset class diversification
• Withdrawal strategies
• Risk tolerance
• Time horizon 

Risk Management

• Life insurance
• Long-term care solutions
• Disability insurance
• Health insurance
• Home and auto insurance
• Review existing policies

Estate Planning

• Wills and trust documents
• Other estate documents
• Asset protection
• Beneficiary designations
• Charitable & family gifting
• Business succession
• Asset titling

Income Tax Planning

• Roth IRA conversions
• Realized gains and cost basis
• Tax loss harvesting
• Asset location strategies
• Charitable & family gifting
• Coordinate with tax accountant

College Planning

• 529 College Savings Plans
• College financing options
• UGMA/UTMA
• School selection process
• Roth IRAs for children
• Funding plans 

Before investing using mutual funds consider the fund’s investment objectives, risks, charges and expenses. For more complete information, including charges and expenses, contact your financial advisor for a prospectus. Read the prospectus carefully.