A Lifetime of Value
Early Years (20s-30s)
- Student loan review
- Retirement plan options
- Budget analysis
- Inheritance plan
- FIRE (Financial Independence, Retire Early) / FINE (Financial Independence, New Endeavor Assessment)
- Establish "career-optional" income strategy
- Education fund planning
- Career benefit and compensation review
- Equity compensation analysis
Mid Years (40s-50s)
- Integrate financial planning strategies
- Conduct insurance review
- Tax and trust strategies
- Review employee stock option
- Optimize savings and retirement plan
- Distribution plan for education funds
- Real estate portfolio review
- Plan for health care liabilities
- Determine elder care needs
- Implement family wealth briefing
- Establish a rollover strategy
- Fund retirement catch-up provisions
- Implement FIRE / FINE strategy (if applicable)
Late Years (60s-70s+)
- Funding a passion project
- Budget analysis
- Social Security and Medicare review
- Implement the rollover strategy
- Consolidate accounts for effective planning
- Philanthropic endeavors
- Peace of mind
- Leaving a lasting legacy
- Wealth transfer plan
- Review tax and trust strategies
- Accomplish your life's purpose
Money Decisions You May Need to Make Within the Next 12 Months
New Money Decisions
- Tax refund
- Inheritance
- Offer of a generous severance package
Legal settlement - Lottery winning or other monetary prize
Existing Money Decisions
- CD maturing
- Excess money in savings, checking or money market accounts
- Bonds maturing
- Selling stocks/mutual funds or other investments
- Sale of a limited partnership, non-traded REIT or other similar asset
- Leaving your current employer or retiring triggering a possible 401k custodian to custodian rollover
- Pay back of a loan you made
- Sale of real estate
- Sale of a business
Potential Discussion Points
- A new job
- Planning to retire
- Paying for a wedding
- New child or grandchild
- A divorce for you or someone in your immediate family
- Relocating, buying a house or a vacation property
- Starting a new business
- Becoming a caregiver
- A family member you are concerned about their level of responsibility (gambling, spending money, substance abuse, other)
- Apprehension over a loved one’s mental deterioration
More Services Offered
Your Investment Plan
- Assess your risk tolerance
- Rebalance or reposition assets as needed
- Mutual funds, variable annuities, ETFs, alternative investments, bonds, common stock, brokerage accounts
Retirement Assets and Company Benefits
- Retirement plan investments
- Stock option grants or restricted stock
- Traditional IRA, Roth IRA, SEP IRA, Simple IRA, 401k plans, 403b plans, money purchasing plans, profit sharing plans
Financial Planning
- Second career planning
- Social Security planning
- Cash flow/reserve analysis
- Tax planning
- Intergenerational planning
- Wealth management
Personal Risk and Family Security
- Adequate insurance protection
- Management plan for incapacity/disability income
- Life insurance
- Individual/Group health insurance
- Long term care insurance
Goal Based Planning
- Retirement planning
- College planning
- Dream vacation planning
- Bucket list planning
- Charitable giving
- Life and goal planning
Wealth Preservation Strategies
- Types of ownership
- Beneficiary reviews and designations
- Trust and estate planning strategies
Access to Banking and Lending Services through Pershing and BNY affiliates
- Securities-based lines of credit
- Aircraft, art, commercial real estate, life insurance premium, and jumbo mortgage financing
Business Succession Planning
- Understand personal and business objectives
- Implement appropriate risk mitigation tactic
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.
jfuchs@sagepathfa.com | 904-366-9388