Our retainer includes ongoing comprehensive financial planning and investment advisory services including portfolio management. During the first year we typically work through the financial planning issues. These can include investment education and implementation, cash flow planning, retirement sufficiency and analysis, intensive goal setting, tax planning, estate planning and insurance reviews. All financial issues are included such as college funding, option strategies, long term care insurance, consolidating investment accounts, etc.

Our service is an open retainer, which means we provide extensive open-ended service for any financial matter that may arise during the year. Monitoring of investment accounts including the INVESTMENT MIRROR™ one page portfolio management tool is included. In successive years, ongoing financial planning as well as investment account supervision is provided.

Ongoing services include:

• Emphasis on educating the client on financial issues.
• Ongoing comprehensive financial planning
• Ongoing monitoring of investment accounts
• Ongoing advice relating to 1) achieving financial goals, 2) retirement accounts for client’s business, 3) estate planning issues, 4) investment issues, 5) tax planning, 6) insurance needs, 7) college funding, 8) gifting strategies, 9) mortgage issues 10) issues involving employers and career changes, 11) real estate investing opportunities, 12) option strategies; and 13) everything that relates to a financial area not specifically mentioned above.
• Ongoing cash flow management with monthly automatic savings or distributions and/or monitoring money market accounts with levels set by the client.
• Assistance in consolidating investment accounts and transferring assets.
• Open-ended service so the client is encouraged to call with questions at any time throughout the year.
• Meetings as appropriate for the client’s needs to review whatever financial issues the client brings
• Objective review of insurance policies. Discussions regarding the amount of insurance necessary, including long term care insurance.
• Assistance with formulating and revising estate plans - joint meetings with your estate attorney as required.
• Educational newsletters and articles
• Issue relating to small business ownership such as retirement plan formulation, tax savings ideas, etc.
• Advisor is available to accompany client to meetings or participate in teleconferences with accountants, insurance agents, and attorneys as requested.
• In a phrase, we are your Personal CFO!