Identify the appropriate amount of insurance coverage to protect family and business

Ensure the appropriate level of cash reserves

20% savings rate goal

Minimize taxes by determining the most tax-favored vehicles:

Tax-Deferred, Tax-Free, Non-Qualified

Combine Non-Qualified and Qualified investing to manage current vs. future taxes

Debt reduction planning, good debt vs. bad debt

Goal-based asset allocation – match timeframes of investments and goals

Tactical asset allocation - ongoing monitoring and strategic rebalancing

Time-weighted asset allocation

Variable income vs. fixed income

Long-term care – resources for the person receiving care and estate preservation for the survivor

Social security timing, survivorship considerations

Tax bracket management

Don’t wait until the end – be charitable while alive

Strategic— to the people or organizations our clients care about

In the end, you can’t take it with you, & it either goes to family, charity, or taxes