REVIEW OF YOUR OBJECTIVES AND RISK/REWARD ATTITUDES short term, medium range and long term goals

ASSET STRUCTURE a review of your current holdings, their present value, cost basis, growth and expected purchases

LIABILITIES present and anticipated debt obligations

INCOME TAX ANALYSIS projections for ten years, with a review of personal tax returns for last two years

CASH FLOW MANAGEMENT projections for ten years, determine effective use of anticipated surplus, managing deficits

INVESTMENT REVIEW, ANALYSIS AND RECOMMENDATIONS

INSURANCE REVIEW, ANALYSIS AND RECOMMENDATIONS

EMPLOYEE BENEFITS REVIEW AND RECOMMENDATIONS co-ordinate with personal assets and spousal plans

DISABILITY INCOME ANALYSIS AND RECOMMENDATIONS ten year projections of taxes, cash flow and net worth

ESTATE DISTRIBUTION, COSTS AND TAXATION ANALYSIS methods of reducing probate costs and estate duties

CAPITAL NEEDS AND SURVIVOR INCOME ANALYSIS

RETIREMENT INCOME ANALYSIS AND RECOMMENDATIONS inflation, qualified plans and increasing net cash flow

FINANCIAL ORGANIZER FILE for all documents, policies records

INCOME TAX ORGANIZER FILE used each year to accumulate and store vital records to support tax returns

MASTER IMPLEMENTATION CHECKLIST to monitor your financial progress and be aware of advisor performance

PERIODIC REVIEW SESSIONS TO VERIFY PROGRESS evaluation of investments, benefit plans and document completion