Retirement Planning

• Evaluate pension plan structures, IRAs, Roth IRAs or qualified plans
• Analyze distribution options for pensions
• Calculate retirement plan benefits, including Social Security(fee)
• Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
• Provide Roth IRA conversion calculations and advice

Please see videos below

 

Investment Management Planning

• consolidate investment paperwork
• Provide 401 (k), 403(b) or 457 plan guidance
• Evaluate investment alternatives and your risk tolerance
• Explain investment ideas in a manner that makes it easy to understand
• Provide secure on-line brokerage account
• Provide annual asset allocation review and , as needed, account rebalancing
• Conduct annual review of investment
• Review your investment strategy to help maintain an individualized, high-quality portfolio
• Create and review an investment strategy tailored to your needs

Emotional Support

• Provide positive encouragement and motivation for effort and successes
• Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
• Support you through transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
• Encourage you to save and invest
• Evaluate your risk tolerance and help determine your tolerance for loss
• Help you understand the various attitudes toward money and the financial decision-making associated with each of them
• Address problems quickly
• Provide friendly and knowledgeable support
• Continue to seek out professional education to myself to better serve you
   

Economic Analysis

• Provide economic and stock market updates and explain what it means to you
• Help you evaluate the economic news to determine what you should and shouldn’t be concerned about
   

Provide Educational Information

• Provide investment information with a comprehensive approach ( Forecast & Half-Time events)
• Keep you up to date with product, service, strategy changes and improvements
• Conduct semi-annual financial review meetings, with calls as needed in between
• Provide appointment summary follow-up letters or emails, send weekly newsletters or updates 
   

Financial Goal Planning (fee)

• Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
• Conduct annual planning evaluations and tracking of goals
• Provide proactive follow up on action items
• Develop, establish and track individual and family goals
• Promote vacation planning and quality-of-life enhancements
• Calculate net worth and review cash flow annually
• Analyze debt structure and organization and assess lending opportunities
• Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs and PMI reduction strategies
• Help prioritize your spending and prepare for potential pitfalls
• Look for opportunities for additional savings

 

 

Cash Management

• Evaluate current holdings and look for potential opportunities to increase returns on cash accounts
• Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity

 

Insurance Review

• Evaluate current life, disability, long-term care, health, umbrella, property and look for opportunities for improvements or money savings

 

 

Employment Support

• Explain how to best utilize employer benefits (pensions)
• Analyze the economic benefits of employment offers
• Evaluate stock options and distributions as well as restricted stocks

 

Self-Employment Issues

• Evaluate current business insurance and provide options if needed
• Provide referrals to business valuation specialist
• Help you manage retirement plan tracking and maintenance: contributions made,contribution limits, profit sharing tax forms (5500), etc.
• Provide information on business transition or succession strategies

 

College Planning

• Research opportunities and help calculate college financial aid programs
• Educate you on the various minor account ownership options: UTMAs, Education IRAs,529 plans, etc.

 

Estate Planning

• Advise on the implementation and proper use of estate planning tools: wills, trusts or power of attorney *
• Provide education and guidance on charitable giving alternatives
• Review ownership and beneficiary designations on all accounts

 

Income Tax Issues

• Provide information about tax-planning strategies
• Simplify investment tax reporting
• Discuss the benefits of optimizing your 401(k), or other retirement plan options
• Provide capital gains and loss planning
• Help you minimize taxation of Social Security benefits
• Provide a year-end capital gains/loss analysis

 

Miscellaneous

• Analyze the effects of inflation on your goals/plans
• Provide referrals to CPAs, attorneys, mortgage brokers, etc.

*Please note Maheras Wealth Management and LPL do not provide tax or legal advice, or services.