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Family Office Planning

Planning Focus

  • Family Foundations & Philanthropy
  • Family Financial Education
  • Managing Family Wealth Dynamics
  • Estate Tax Mitigation
  • Complex Trust and Insurance Planning

Average Cost:  $20,000+

Investment Planning

Investment Planning

  • Nitrogen Risk Tolerance and Risk Capacity Assessment
  • Review of Portfolio
  • Asset Allocation
  • Time Horizon
  • Withdrawal Strategies
  • Investment Policy Statement
  • Dollar Cost Averaging
  • Product Research
  • Rebalancing Strategies
  • Stock Concentration
  • Review Investments Held Outside of the Firm
Cash Flow and Budget

Cash Flow and Budget

  • Income Sources
  • Expenses and Budgeting
  • Debt Management
  • Financing Strategies
  • Major Capital Purchases
  • Mortgage Review
  • Lines of Credit
Retirement Planning

Retirement Planning

  • Retirement Vision
  • Retirement Needs Analysis
  • Retirement Funding Solutions
  • Identifying Income in Retirement
  • Employer-Sponsored Plans and IRAs
  • Contribution Limits Planning
  • Rollover Options
  • RMD and 72t Calculations, Explanations and Strategies
  • Annuities and Pensions
  • Employer Plans vs. Self-Directed Plans
  • Accumulation and Distribution Strategies
  • QLAC Strategy Review
  • Social Security Optimization
  • Medicare Planning
  • Retirement Plan Stress Testing
  • Self-Employed
  • Business Planning
  • Education on Various Retirement Plans
  • Coordination of Retirement Plan Services
Risk Management and Insurance

Risk Management and Insurance

  • Risk Exposure Analysis
  • Planning for Unforeseen Risks
  • Review of Existing Policies
  • Education on Types of Insurance
  • Survivorship Income Planning
  • Life Insurance Planning
  • Policy Loans
  • Disability Income Needs
  • Health Insurance
  • Property & Casualty Insurance
  • Umbrella Coverage
  • Business Liability Review
  • Cyber Risk Awareness
  • Asset Allocation, Diversification and Securities Research
Estate Planning and Charitable Giving

Estate Planning and Charitable Giving

  • Generational Wealth Transfer Scenarios and Strategies
  • Guidance on Sources of Estate Liquidity
  • Trust Services from The Private Trust Company
  • Explanation of Estate Planning Structures/Documents
    • Explanation of General Taxation Issues of Trusts and Estates
  • Explanation of Types and Treatment of Trust Income
  • Guidance on Ownership and Titling of Assets
  • Beneficiary Audit and Designation Planning
  • Purposeful Planning
  • Family Financial Education
  • Estate & Gift Tax Analysis and Planning
  • Gifting Strategies
  • Charitable Planning Strategies
Assistance to Loved Ones

Assistance to Loved Ones

  • Education Planning
  • Caring for Elderly
  • Special Needs Planning
  • Gifting Strategies
Income Tax Planning

Income Tax Planning

  • Asset Location
  • Cost Basis Review and Analysis
  • Tax Diversification
  • Tax Law Changes and Projections
  • Itemized Deduction Review
  • Optimal Tax Strategies
  • Deductible Retirement Contributions
  • Identifying AMT Issues
  • Tax Aware Investing
  • Tax Loss Harvesting
  • Provisional Income Planning
  • Deductions and Credits
  • Roth Conversion Strategies
  • Tax-free Income Planning
  • Qualified Charitable Distributions
  • Employee Stock Options Basics, ISOs, NSOs, Planning Strategies
  • Tax Implications of Various Stock Plans
  • Non-qualified Deferred Compensation Programs
  • Income Taxation of Life Insurance and Annuity Products
Ongoing Financial Planning

Ongoing Financial Planning

  • Account Aggregation Maintenance
  • Updated Investment and Plan Assumptions
  • Quarterly Financial Plan Updates
  • Life Event Updates
  • Client Progress Reporting
  • Financial Document Storage and Organization
  • Updating Tasks, Client Notes and Next Steps
  • Implementation of Plan Strategy
  • Education of Financial Concepts
Business Planning

Business Planning

  • Cash Flow Analysis
  • Succession or Exit Planning
  • Cash Management
  • Employee Benefits Planning
  • Business Use of Insurance
  • Financing Strategies
Executive Compensation Strategies

Executive Compensation Strategies

  • Deferred Comp Funding and Distribution
  • Stock Option Analysis
  • Tax-Efficient Exercise and Vesting Strategies
  • Risk Concentration Strategies

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