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Having Adequate Protection

• Planning for emergency needs
• Replacing earning power if disabled
• Providing for dependents in case of death
• Providing for long-term care costs
• Protecting your ability to meet accumulation and education goals

Accumulating Wealth

• Reviewing your investment portfolio
• Creating/enlarging emergency funds
• Buying a house or vacation home
• Accumulating money for education expenses
• Saving for a special purpose
• Managing debt

Managing Income Taxes

• Minimizing state and federal income taxes
• Minimizing state and federal estate taxes
• Analyzing how your business affects personal income taxes
• Coordinating with your tax preparer

Planning for Retirement

• Ensuring adequate retirement income:
  
  
  • Government and employer plans
  • Personal investments
  
  
  
  
• Protecting the impact of earlier or later retirement
• Pension rollovers
• Providing for
  
  
  • Medical care
  • Nursing home care
  
  
  
  
• Coordinating your estate plan with your retirement goal

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