Service Offerings

Service Offerings

We offer Comprehensive Personal Financial Planning, Investment Portfolio Management, and Consultations. Each service we provide is guided, first and foremost, by your vision of the life you want to create.

 

We offer Comprehensive Personal Financial Planning, Investment Portfolio Management, and Consultations. Each service we provide is guided, first and foremost, by your vision of the life you want to create.

Comprehensive Personal Financial Planning

When a financial plan is focused on clear personal goals, every part of it is connected and consistent. That means stronger results for you.
MONEY MANAGEMENT
  • Cash flow
  • Balance sheets
  • Debt
  • Taxes
  • Savings plans
RISK MANAGEMENT STRATEGIES
  • Identifying financial risk
  • Reducing risk
  • Sensible risk assumption
  • Risk transfer
  • Review and analysis of your life insurance and annuity contracts
CHARITABLE GIVING
  • Selecting charities
  • Determining the best way to contribute: donating, volunteering, or a combination
  • Finding the most tax­-efficient way to give
ESTATE PLANNING
  • Reviewing your current plan to see if changes are needed
  • If necessary, updating durable power of attorney and your health care directive
  • Developing and maintaining an asset inventory
  • Preparing administrators and beneficiaries

 

Investment Portfolio Management

Creating a portfolio requires two kinds of research. One focuses on investments. The other involves learning your true priorities, so they're reflected in your portfolio. Our services include:
  • Construction of an investment portfolio
  • Investment selections based on academic research – not opinion or guessing
  • Preparation of an investment policy statement detailing how your portfolio will be managed
  • Quarterly performance analysis and reporting
  • Quarterly rebalancing as needed
  • Ongoing investment education

Consultations

We want you to be able to get answers to your nagging questions without having to commit to comprehensive personal planning or investment portfolio management, so we're available at an hourly rate to answer questions such as:
  • I think I have my finances under control – but am I missing something?
  • Am I on track with my retirement savings?
  • Now that the value of my GET credits has dropped and the program has been revised, should I make a change?
  • What investments should I choose for my 401K?
  • Do I have the right portfolio allocation?
  • Do I have the right level and type of life insurance?
  • Does my estate plan need updating?
  • Is my charitable giving effective and tax ­efficient?
  • Should I buy a house or continue to rent?
  • Can you do a cost analysis and tell me what I'm paying for my investments?
  • Are there ways I can reduce my taxes?
  • What are my responsibilities as personal representative for someone's estate? How can I prepare my children for their inheritance?
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Financial Satisfaction Survey

 


Directions: The statements below will help you to think about and assess how satisfied you are with many aspects of your financial life. Indicate your level of satisfaction for each statement with stars.
(1 star = "Not Satisfied", 3 stars = "Moderately Satisfied", 5 stars = "Very Satisfied")

I am satisfied with...

1. ...with my ability to meet my financial obligations

2. ...with the income my current job or career provides me.

3. ...with my spending habits.

4. ...with the level of debt I carry.

5. ...with the “extras” that I am able to buy for myself and/or loved ones.

6. ...with the level and quality of insurance protection I currently have.

7. ...with the amount of money that I save and invest on a regular basis.

8. ...with my current investment choices.

9. ...that I am on track to build a sufficient retirement nest egg.

10. ...with the level of employee benefits I receive.

11. ...with my style of personal bookkeeping and financial record management.

12. ...with my ability to provide financial help to family members.

13. ...with my estate plan.

14. ...with my level of charitable giving.

15. ...with the level of financial education I have attained.

16. ...with how I respond emotionally to my personal finance issues.

17. ...with my ability to communicate about my financial matters.

18. ...with the feelings I have about my money life.

19. ...that financial issues do not cause stress or strain in the relationships that are important to me.

20. ...with the working relationships I have with my financial service providers (i.e., insurance agent, banker, broker, financial planner, accountant).


© 2002 - 2018 Money Quotient, Inc. All Rights Reserved. This document is available via licensing arrangements with Money Quotient and is protected by federal copyright law. No unauthorized copying, adaptation, distribution, or display is permitted - moneyquotient.org.

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Life Transition Survey

 


Directions: In each section, select the transitions that you are currently experiencing and those you are likely to experience in the future. In addition, check transitions in the short to mid-term and long-term columns that you either hope to experience or anticipate with concern.

Work Life Transitions

1. Change in career path:

2. New Job:

3. Promotion

4. Job loss

5. Job restructure

6. Education / retraining

7. Sell or close business

8. Transfer family business

9. Gain a business partner:

10. Lose a business partner:

11. Downshift / simplify work life

12. Sabbatical / leave of absence

13. Start or purchase a business

14. Retire:

15. Phase into retirement

16. Other


Financial Life Transitions

1. Purchase a home:

2. Sell a home:

3. Relocate:

4. Purchase a vacation home / timeshare:

5. Re-evaluate investment philosophy:

6. Experience investment gain:

7. Experience investment loss:

8. Debt concerns:

9. Consider investment opportunity:

10. Receive inheritance or financial windfall:

11. Sell assets:

12. Other:


Family Life Transitions

1. Change in marital status (marriage):

2. Change in marital status (divorce):

3. Change in marital status (widowhood):

4. Expecting or adopting a child:

5. Hire child care:

6. Child entering adolescence:

7. Child with special needs:

8. Child w/pre-college expenses:

9. Child going to college:

10. Child getting married:

11. Empty nest:

12. Family special event (Bat/Bar Mitzvah, anniversary party, trip):

13. Helping and/or gifting grandchildren

14. Concern about aging parent

15. Concern about health of spouse/partner or child:


Legacy Life Transitions

1. Increase charitable giving:

2. Give special financial gifts to children/grandchildren:

3. Give parental pension (monthly stipend):


© 2002 - 2018 Money Quotient, Inc. All Rights Reserved. This document is available via licensing arrangements with Money Quotient and is protected by federal copyright law. No unauthorized copying, adaptation, distribution, or display is permitted - moneyquotient.org.

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