Services
Services
INDIVIDUALS AND FAMILIES
PLANNING
Cash Flow Analysis
College Funding Strategies
Investments Diversification Analysis
Retirement Analysis and Funding Strategies
Insurance Analysis
ACCOUNT TYPES
Brokerage accounts, managed accounts, managed portfolios
IRAs - SIMPLE, SEP, Roth, Traditional
401(k) and Profit Sharing Plans
Section 529 Education Savings Plans
Rollover IRAs, Income IRAs
Uniform Gift to Minors Act Accounts
Owner/Key People Nonqualified Programs
Uniform Transfer to Minors Act Accounts
Charitable Gift Programs
ESTATE PLANNING
Coordination & Funding of Buy-Sell Agreements
Coordination of Wills, Trusts with Insurance Program
Hypothetical Probate - Estate Tax Review
Survivorship Life Insurance Programs for Estate Tax Liquidity
Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.
INVESTMENTS
Annuities
IRA, Roth IRAs, 401(k) plans
Mutual Funds
Money Market Funds
INSURANCE
Disability Income Insurance
Life Insurance
Survivorship Life Insurance
Long-Term Care Insurance
Medical - Personal and Group Insurance
BUSINESSES
BUSINESS PLANNING
Business Evaluation
Buy – Sell Agreement Funding, Business Succession Strategies
Comprehensive Financial Planning for Business Owners
Business Risk Mitigation through Key Person Planning
Ownership Structure Analysis
Exit Planning Strategies
BUSINESS OWNER AND EXECUTIVE COMPENSATION
Considerations for Owner or Executive Bonus
Longevity Strategies for Key Employees, Stay Bonus
Benefits Designed Specifically for Business Owners
Tax Advantage Strategies for Business Owners
Non-Qualified Deferred Compensation Plans
Risk Mitigation - Disability and Life Insurance for Business Owners
EMPLOYEE BENEFIT OPTIONS
Employee Financial Education Workshops
Qualified Retirement Plan Design and Implementation
Non-Qualified Retirement Plans
Payroll Deduction Plans
Group Benefits such as Medical, Dental, Disability, Life, and Long-Term Care Insurance
Section 125 “Cafeteria Plans”
WEALTH TRANSFER PLANNING
BASIC
Document Information:
▪ Wills
▪ Revocable trusts
▪ Power of attorney
Evaluate opportunities for estate & gift tax exclusions
Review of estate structure and life insurance
INTERMEDIATE
Business succession planning
▪ Buy/Sell agreement funding review
▪ Selective “key manager” benefit
Q-TIP, marital and non-marital trusts
Estate tax strategies (survivorship life insurance)
Lifetime gift tax exemption considerations
ADVANCED
Family limited partnerships
▪ Qualified Personal Residence Trusts
▪ Leverage gifts with life insurance
▪ Charitable gifts and tax planning
▪ Private Foundations
▪ Intentionally Defective Irrevocable Trust (IDIT)
Any discussion of taxes is for general information purposes only and does not purport to be complete or cover every situation. Tax discussions should not be construed as legal, tax or accounting advice. Clients should confer with your qualified legal, tax and accounting advisors as appropriate.
For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.
MainMast@financialguide.com | (919) 755-3042