Understanding Your Financial Objectives


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