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