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Financial Planning Modules
Estate Planning
- Structuring your affairs for a tax-efficient transfer to your heirs and/or charities
- Values-based focus
- Family financial philosophy
- Financial independence, family legacy, social legacy
- Wills, trusts, power of attorney
Investment Planning
- Optimizing returns that are consistent with your comfort zone
- Utilizing a written Investment Policy Statement to document your unique asset mix and as a means of measuring your progress
- Financial goals and objectives
- Personal investment philosophy
- Risk profile
Retirement Planning
- Identifying your financial independence objectives and creating a blueprint to ensure you work towards a secure retirement
- Target retirement date, income
- Financial independence
- Monte Carlo simulation
Tax Planning
- Minimizing the amount of income taxes you pay now and at retirement
- Tax reduction strategies for current and future years
- Tax optimization of investment portfolio
Net Worth & Cash Flow Planning
- Managing your cash flow to enjoy your lifestyle today and in the future
- Accurate compilation of all assets & liabilities
- Projections for current and future years
- Debt analysis
Income & Asset Protection
- Measuring and protecting against the financial risks of loss of income, premature death, critical illness and long term care
- Life and disability needs analysis
- Critical Illness and Long Term Care coverage
- Property insurance needs
Business Succession
- Integrating your business succession plans with your personal goals & objectives
- Succession plans
- Business Succession Checklist
*Insurance products and services are provided through Assante Estate and Insurance Services Inc.