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Investment Planning

  • How much risk am I taking now?
  • How much risk do I need to take?
  • How likely is my current portfolio to help me achieve my long-term financial goals?
  • What asset allocation is appropriate for me given my goals, situation and risk tolerance?
  • How do I incorporate my retirement plan into my overall portfolio design?
  • How do I manage my company stock options?

Retirement Planning

  • When will I be able to retire?
  • How much money will I need?
  • What are my most likely retirement scenarios?
  • How much income can I take from my investments?
  • Will I be able to sustain my long-term security?
  • How can I be sure I won’t become a burden to my family?
  • What would be the impact of working longer (or working during retirement)

Estate Planning

  • How can my estate plan lower the federal transfer tax liability?
  • What type of will and/or trusts will best achieve my priorities?
  • How do I arrange my estate plan to leave a legacy that reflects my values and priorities?
  • How can I treat my children fairly even though they have different needs and situations?
  • Will my estate plan minimize costs and taxes as well as hassle and delay for my heirs?
  • Should I consider establishing a revocable living trust?
  • Are my beneficiary designations current, consistent and indicative of my priorities?Should I consider using trusts to protect some of my assets?
  • How do I include the charities and other organizations I support?
  • Does it make sense to use an attorney? Is it expensive?

Tax Planning

  • What should I be doing now to lower my taxes both this year and in the future?
  • How can I best take advantage of the changing tax laws?
  • Should I be sheltering or deferring more (or less) income and its taxation to later years?
  • How should I structure my portfolio to maximize my after-tax (not pre-tax) return?
  • What strategies should I use to reduce the taxes on my appreciated real estate holdings?

Risk Management

  • What type of personal liability coverage should I carry?
  • Do I have the appropriate levels of automobile and homeowner’s coverage?
  • How much and what type of life and disability insurance (if any) should I have ?
  • Do I need long-term care insurance? If so, how much and what type of policy?
  • How much debt is appropriate for me?
  • Should I accelerate paying off my mortgage and other debt?