- ASSET PROTECTION
Appropriate amount of life insurance, consistent with an articulated
philosophy ?
Adequate protection against catastrophic loss (health, property
loss, liability) ?
Business interests adequately protected ?
- INCOME PROTECTON
Too much or too little disability protection, and will it pay
you if unable to work?
Receiving all expected revenues, timed where possible?
Are you spending according to your cash flow plan ?
Using all reasonable means to reduce your taxes ?
- DEBT MANAGEMENT
Access to as much debt as reasonably possible at the best available
rates ?
Current ratio better than 2:1 and total debt reasonable percent
of assets ?
Are you managing debt as expected ?
Is your debt tax efficient ?
- INVESTMENT PLANNING
Have a framework for measuring risk and expected returns in your
portfolio ?
Appropriate asset allocation consistent with your financial objectives?
Can you readily monitor and manage all accounts as a consolidated
portfolio ?
Are your annual contributions/withdrawals on target to achieve
your goals ?
Are you minimizing investment fees and expenses ?
Is your portfolio income tax efficient
- ESTATE PLANNING
Does your will match your wealth transfer wishes?
Are your assets titled correctly with proper beneficary designations?
Do you have necessary planning documents
(Power of Attorney, Health Cares Docs, Living Will)?
Have you made your desired gifts for the year?
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"He
has half the deed done who has made a beginning"
Horace 65-8 BC (Italian Poet)
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