Scope of Services
Investment Planning
- Review of Portfolio
- Asset Allocation
- Time Horizon
- Withdrawal Strategies
- Stock Concentration
- Review of Investments Held Outside of the Firm
Estate Planning and Charitable Giving
- Wills*
- Living Will*
- Health Care Proxy*
- Trusts*
- Irrevocable Life Insurance Trusts*
- Estate Taxes
- Charitable Giving and Trusts*
Retirement Planning
- Retirement Goal Setting
- Social Security and Medicare
- Business Planning
- IRA Contributions and Conversions
- Employer-Sponsored Plans and 401(k)s
- Annuities and Pensions
- RMDs and Withdrawal Strategies
- Self-Employed Retirement Plans
Risk Management and Insurance
- Review of Existing Policies
- Life Insurance Needs Analysis
- Long-Term Care Insurance
- Disability Insurance
- Homeowner’s or Renter’s Insurance
Cash Flow and Budget
- Income Sources
- Expenses and Budgeting
- Debt Management
- One-Time Expenses
- Planned Large Expenses
- Emergency Funding
- Dollar Cost Averaging
- Mortgage Review
- Lines of Credit
Assistance to Loved Ones
- Gifting
- Education Planning
- Caring for Elderly
- 529 College Savings Plan
- Roth IRAs for Children
- UGMA/UTMA
Income Tax Planning
- Review of Cost-Basis
- Review of Realized Gains
- Carry Forward Losses
- Tax Loss Harvesting
- Potential Roth Conversions
- Health Savings and Flexible Spending Accounts
Concierge Service:
- Coordinate with other advisors such as your attorneys and accountants.
- Hold regular meetings and ensure that all planning is well coordinated and implemented.
- Maintain copies of documents such as insurance policies, estate planning andlegal documents, and tax returns.
*Winters Financial will assist you in identifying the right professional to prepare these documents.