“One Team” Creating The Ultimate Financial Experience 6 Elements of Financial Planning Financial Position Protection Planning Investment Planning Tax Planning.

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Presentation transcript:

“One Team” Creating The Ultimate Financial Experience 6 Elements of Financial Planning Financial Position Protection Planning Investment Planning Tax Planning Retirement Planning Estate Planning Cash reserve levels Cash reserve strategies Debt mgmt Cash flow management Net worth Discretionary income Expected large inflow/outflow Lines of Credit Disability options Long-Term Care- timing/prem Medical/Health Deductibles vs cash reserves Policy status Policy loans Beneficiary designations Special needs situations Alternate/add’l coverage strategies Asset allocation Education planning Lump-sum accumulation Options/restricted stock,/Non- Qualified deferred compensation Ongoing investment fees Risk tolerance Tax implications Cost basis Timeframes Diversification strategies Dollar-cost averaging Market timing issues Tax reduction Tax deferral Tax avoidance Future taxes due Withholding Tax diversification Qualified investments Non-Qualified investments Effects of liquidation Filing status Business ownership Non-traditional ownership Minimum distributions Pre-59 ½ strategies 401(k)s IRAs Medicare/Medigap Social security Roth conversions Income streams Income streams— transitions Health care Tax transitions Risk tolerance transitions Timing issues Estate balancing Capital transfer Asset ownership Trusts Wills Trust funding IRD Succession planning Special needs dependents Minor children Generation skipping Short-Term life expectancies Estate liquidity Charitable planning Registered Representative of Park Avenue Securities LLC (PAS), 1901 Butterfield, #500, Downers Grove, IL Securities products/services and advisory services offered through PAS a Registered Broker-Dealer and Investment Advisor, OMALLEY. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. O'Malley & Associates LLC is not an affiliate or subsidiary of PAS or Guardian. O'Malley & Associates is a division of O'M & Associates, LLC. PAS is a member of FINRA, SIPC. PAS and its representatives do not provide legal or tax advice or services.

“One Team” Creating The Ultimate Financial Experience Financial Planning Process Appointment Set Initial Interview/ Data Gathering Strategy/ Verification Call Analyze Info. & Develop a plan Plan Presentation and Implementation Interview Client Review Interview Monitor progress & implementation Deliver written plan & review recommendations Propose implementation of product(s) Solidify goals, dollar amounts & commitments on strategies Verify data, goals, found money, assets & discretionary income. Create written strategies Registered Representative of Park Avenue Securities LLC (PAS), 1901 Butterfield, #500, Downers Grove, IL Securities products/services and advisory services offered through PAS a Registered Broker-Dealer and Investment Advisor, OMALLEY. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. O'Malley & Associates LLC is not an affiliate or subsidiary of PAS or Guardian. O'Malley & Associates is a division of O'M & Associates, LLC. PAS is a member of FINRA, SIPC. PAS and its representatives do not provide legal or tax advice or services.