Are We OK?

Is the Family OK?

Is the Community OK?

1.

Retirement Income needs
-- Income distribution
-- Non-qualified plans
-- Qualified plans
-- Employer plans

Education Funding
-- 529 Plans
-- Other Funding

Charitable Desires
-- Civic
-- Religious
-- Community Unity Groups

2.

Long Term Care Funding
-- Using current assets
-- Long term care insurance

Business Succession
-- Is plan in place
-- Properly funded
-- Key person protection

3.

Spousal income needs
-- Life Insurance purchases
-- Spousal protection
-- Financial needs analysis

Asset Protection
-- Divorce Financial Management
-- Liabilities Financial Management
-- Creditor Financial Management

4.

Disability Income Protection
-- Proper evaluation
-- Adequate protection
-- Portability

Estate Distribution Provisions
-- Tax liability
-- Special needs

5.

Asset Protection
-- Investment rate of return
-- Inflation protection
-- Life expectancy
-- Standard of Living Management
-- Divorce Financial Management
-- Liabilities Financial Management
-- Creditor Financial Management

Dynasty Concerns
-- Beneficiary Designations
-- GSTT

6.

Property/Casualty Evaluation
-- Home
-- Jewelry floaters
-- Special needs
-- Auto
-- Umbrella policies
-- Replacement protection

Estate Tax Planning
-- Up to date legal documents
-- Funding calculations
-- Funding plans

7.

Identity Theft

8.

Income Tax Planning

9.

Health Insurance Planning
-- Yourself, spouse
-- Children
-- Employer based coverage risk