Services

We provide assistance in the following areas:

Retirement Planning

  • Creation or review of retirement plan
  • Budgeting And Goal Setting
    • Review and creation of budget
    • Review of one-time expenses
    • Bucket list items
  • Income and Distribution Planning
    • Cash flow analysis
    • Income needs analysis
    • Review income sources
    • Social Security analysis
    • Required minimum distribution planning
    • Withdrawal strategies
    • Review of annuities
    • Qualified charitable distribution planning
  • Employer Sponsored Plans
    • Review of employer sponsored plans
    • Self-employed plans
    • Employer benefits review
    • Net unrealized appreciation planning
    • Review of pensions
  • Risk Review
    • Risk tolerance analysis
    • Risk/reward analysis
    • Analysis of current risk profile
  • Savings Planning
    • Emergency fund analysis
    • Savings goal setting
    • Savings funding analysis
    • Qualified plan contribution planning
    • Roth conversion analysis
  • Banking and credit management
    • Mortgage review
    • Financial counseling
    • Debt analysis
    • Debt repayment planning
  • Education planning
    • Education savings analysis
    • 529 plan review
    • UGMA/UTMA review
  • Discuss your situation with tax accountant or attorney

Investment Planning and Management

  • Analysis of current investment program
    • Asset allocation analysis
    • Risk analysis
  • Investment monitoring and benchmarking
    • Accounts custodied through Encircle Financial Strategies
    • Outside held accounts
    • Employer sponsored accounts
  • Advice on specific investment objectives
  • Cost basis analysis for accounts custodied through Encircle Financial Strategies
  • Dollar cost averaging
  • Account consolidation
  • Creation of investment policy statement
  • Asset allocation and funding recommendations

Estate Planning

  • Review of estate plan
  • Review of estate planning documents
    • Wills and trusts
    • Living will and health care proxy
    • Power of attorney
  • Review of trust options
    • Testamentary trust
    • Revocable living trust
    • Irrevocable trust
    • Irrevocable life insurance trust
    • Qualified terminal interest trust
  • Beneficiary review
    • Qualified accounts
    • Life insurance
    • Transfer on death options
  • Planning for incapacity
  • Minimization of estate taxes
  • Review of charitable gift strategies
    • Qualified charitable distributions
    • Charitable gift trust
    • Charitable gift timing

Risk Management and Insurance Planning

  • Review existing policies
    • Life insurance
    • Disability insurance
    • Long-term care insurance
  • Insurance needs analysis
    • Life insurance
    • Disability insurance
    • Long-term care insurance
  • Major Medical insurance review
  • Health savings account review
  • Liability coverage review
  • Medicare advice

Tax Planning

  • Tax return review
  • Tax management strategies and techniques
  • Deductions and credits
  • Review of unrealized gains
  • Cost basis analysis
  • Tax loss harvesting
  • Tax loss carryforward
  • Roth conversions
  • Health savings accounts
  • Tax sensitive investing

Assistance to Loved Ones

  • Gifting
  • College planning
  • Plans for young adult children
  • Caring for elderly
  • Roth IRA’s for children
  • Trust planning
  • Divorce planning