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

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.