My Services

I offer two primary services to my clients.  They are:

1)  Comprehensive Financial Planning

and

2)  Investment Management

 

COMPREHENSIVE FINANCIAL PLANNING

 

I work with my clients to develop a comprehensive financial plan in which I provide advice and solutions to their goals in each of the following six key areas:

 

FINANCIAL POSITION

  • Allocating cash flow
  • Managing debt 
  • Creating and maintaining a cash reserve
  • Building net worth

RISK MANAGEMENT

  • Disability income protection
  • Unexpected death protection / life insurance
  • Long-term care planning

INVESTMENT PLANNING 

  • Asset allocation portfolio analysis
  • Saving towards goals
  • Saving for college education

 INCOME TAX PLANNING

  • Tax triangle portfolio analysis and management
  • Investing in tax-favored investments such as IRAs, Roth IRAs, 401(k)s, SEP, and SIMPLE plans
  • Maximizing tax deductions
  • Tax credits
  • Charitable gifts

* ALWAYS consult with your tax advisor BEFORE making any final tax decisions!

 RETIREMENT PLANNING 

  • Retirement gap analysis for the pre-retired
  • Ensuring adequate retirement income
  • Funding qualified plans
  • Distributions from qualified plans
  • Required Minimum Distributions calculations (RMDs)

 ESTATE PLANNING

  • Review basic estate planning strategies including wills, power of attorney, and health care directives 
  • Review ownerships and beneficiary designations
  • Review advanced estate planning strategies including:
    • living and testamentary trusts
    • lifetime gifting strategies
    • charitable giving

**  Estate planing strategies are discussed but actual documents must be drawn up by an attorney.

 

 

 

INVESTMENT MANAGEMENT

 

I use the following strategy and products to create investment portfolios for my clients that are designed to help meet the their objectives while considering their time frame, risk tolerance, and tax position.

ASSET ALLOCATION PORTFOLIO MANAGEMENT

  • Asset Allocation is the process of determining optimal allocations for the broad categories of assets (such as cash, stocks, bonds, real estate, etc.) that suit your investment time horizon and tolerance for risk.
  • This process is critical, as many experts agree that the allocation of your assets may account for over 80% of the return of an investment portfolio.
  • The goal of Asset Allocation Portfolio Management is to create an "efficient portfolio" as defined by Harry Markowitz. Here, the diversification of the assets creates the least amount of risk for a given level of expected return (or conversely, the largest amount of return for a given level of risk).

INVESTMENT PRODUCTS AND SERVICES

  • As an independent financial advisor, I am able to offer a full range of investment and insurance products, including: 
    • Mutual Funds
    • Individual Stocks and Bonds
    • Exchange Traded Funds (ETFs)
    • Certificates of Deposit (CDs)
    • Real Estate Investment Trusts (REITs)
    • Wrap Accounts
    • Managed Accounts
    • 529 Plans
    • Coverdell Education Savings Accounts
    • Variable Annuities
    • Fixed Annuities
    • Equity Indexed Annuities
    • Life Insurance *
    • Health Insurance *
    • Disability Insurance *
    • Long-term Care Insurance *

 

All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

*Insurance products listed above are not offered by Royal Alliance Associates, Inc.