Lifetime Financial Planners provides clear and actionable financial plans tailored to your specific needs and goals while leading with an empathetic , client-first approach to help optimize your financial life.
Behavioral Coaching to Navigate Emotional Life Events
- Death of Spouse
- Divorce
- Job Loss, Job Change, Corporate Reorganizations
- Life altering personal injury or medical illness
- Caring for elderly family members
- Blended Family Dynamics & Legacy Considerations
- Annual Exclusion Gifts to Family Members
- Inheritances
- Marriage
- Birth, Adoption of Child, Fertility Planning
Financial & Retirement Planning
- Financial & Retirement Plan Projections
- Evaluate Probability of Financial Plan Success
- Evaluate and Analyze “What If” Scenarios
- Social Security Claiming Strategy
- Defined Benefit Plans, Military Pensions, Lump Sum vs. Annuity Payments including Survivor Benefit Plan elections
- Required Minimum Distributions (RMDs) from Traditional IRAs, Inherited Traditional IRAs, Inherited Roth IRAs
- Spending Strategies, Withdrawal Order, Sequence of Return Risk
- Retirement “Paycheck” & Cash Flow Projections
- College Planning / Student Loan Considerations
- Executive Compensation Plans including RSU, NQSO, SAR, ISO, ESPP, NUA, Deferred Compensation Plans
Investment Management
- Identify Risk Tolerance to construct appropriate investment portfolios
- Design and create customized Investment Policy Statement (IPS)
- Implement cost-effective, tax efficient, broadly diversified investments
- Monitor external investment accounts including Employer Retirement Plans
- Analyze Real Estate holdings including Rental Properties, Vacation Rentals, Farmland/Ranchland, and include within overall asset allocation strategy
- Rebalancing periodically
- Asset Allocation & Risk Management
- Asset Location & Tax Efficiency
Income Tax Planning
- Annual Tax Return Review & Year-End Tax Planning
- Multi-Year Tax Planning Projection Scenarios
- Executive Benefits Plans & Equity Compensation Tax Planning including RSU, NQSO, SAR, ISO, ESPP, NUA, Deferred Compensation Plans
- Donor Advised Funds (DAFs)
- Qualified Charitable Distributions (QCDs)
- Tax Loss/Capital Gain “Harvesting”
- Medicare Income-Related Monthly Adjustment Amount (IRMAA) Surcharge
- Roth Conversions
Insurance & Risk Management Planning
- Life Insurance Needs Analysis
- Disability Insurance Needs Analysis
- Long Term Care Insurance Needs Analysis
- Health Insurance Review & Coordination
- Health Savings Accounts (HSAs)
- Homeowner’s Insurance Review
- Auto Insurance Review
- Liability Coverage Limit Review
- Liquidity Planning Considerations
- Home Equity Conversion Mortgages
Estate Planning
- Review existing Estate Plan including Wills & Trusts
- Review Account Titling & Beneficiary Designations
- Guardians for Minor Children
- Durable Power of Attorney (DPOA)
- Medical Power of Attorney (MPOA)
- Directive to Physicians / Healthcare Directive
- Incapacity Planning Considerations
- Tax Efficient Charitable Giving Strategies
- Military Veteran & Survivor Benefits Planning
- Modern Widows Club Support, Connection, Empowerment