Asset Allocation and Investment Management:
How much risk am I taking now and how much do I need.
How likely will my current portfolio to help me with my long term goals?
What Asset Allocation and specific investments are appropriate to achieve my long term goals?
How do I incorporate my 401(k) or 403(b) into my overall portfolio design?
How do I monitor and evaluate my portfolio performance in various economic conditions?
Retirement Planning:
When will I be able to retire and how much money will I need?
What are my most likely retirement scenarios and how do they compare?
How much income can I take from my portfolio and still sustain my long term strategy?
What would the impact of working longer or shorter have on retirement?
How and when should I take Social Security?
What is the impact of working part time in retirement?
How do I best plan for my children's security and educational expenses.
Cash Flow:
How can I get a handle on what I am spending:
Am I saving enough given what I make?
What level of cash reserves should I maintain?
What retirement income source should I withdraw from first in retirement, and what amount?
Liability Management:
How much debt and other leverage is appropriate for me?
What is the optimal structuring of my mortgage and other financing?
Should I try to accelerate paying off my mortgage and other debt?
How can I best use financing options in the exercise of my company stock option?
Asset Protection:
What type of personal liability coverage should I carry?
What are the appropriate levels of automobile and homeowners coverage?
How much and what type of life and disability insurance should I have?
Do I need long term care insurance, if so, how much and what type of policy?
Should I consider using a Trust to protect some of my assets?
(Strategic Financial Planning does not sell or receive compensation from any insurance it recommends.)
Income Tax Planning and Management:
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 new tax law that continues to phase in each year?
Should I be sheltering more or less income and deferring taxes to later years?
How can I lower my taxes through more effective use of my small business?
How should I structure my portfolio to maximize my after tax(not pretax) return?
How can I reduce my exposure to the Alternative Minimum Tax.
What gifting strategies may be appropriate for me?
Wealth Transfer and Estate Planning:
How do I arrange my estate plan to leave a legacy that reflects my values and priorities?
How do I treat my children fairly even though they have different needs and situations?
Will my estate plan 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?
What type of will or Trust will best achieve my priorities?
Should I consider establishing a revocable living trust?
Are my beneficiary designations current. consistent and indicative of my priorities?
How can I best benefit the charities and other organizations I wish to support?
