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
Financial & Retirement Planning
- Financial Projections
- Evaluate Probability of Financial Plan Success
- Evaluate and Analyze “What If” Scenarios
- Social Security Claiming Strategy
- Defined Benefit Plans, Military Pensions, & Annuities including Survivor Benefits
- Required Minimum Distributions (RMDs) from Traditional IRAs, and Inherited Traditional & Roth IRAs
- Spending Strategies & Withdrawal Order
- Retirement “Paycheck” & Cash Flow Projections
- College Planning / Student Loan Considerations
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
- Asset Location
Income Tax Planning
- Annual Tax Return Review & Year-End Tax Planning
- Multi-Year Tax Projection Scenarios
- Executive 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 Considerations
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
Lifetime Financial Planners adheres to the Vanguard Advisor Alpha Strategy of Value-Added best practices, and delivers trusted advice and creative financial solutions based on your season of life.
