ASSET ALLOCATION REVIEW AND RECOMMENDATIONS
Develop an asset allocation strategy that helps Client to establish the framework for future investment decisions. Offer investment suggestions to help achieve Client's asset allocation strategy and meet their long-term goals. Recommend portfolio consolidation and simplification where appropriate.
ANALYSIS OF INVESTMENT PORTFOLIO AND RECOMMENDATIONS
Analyze existing investments to determine whether existing investments are appropriate in light of Client's financial concerns, investment objectives, risk tolerance and time horizon. Offer practical suggestions that may improve the Client's portfolio balance and investment return potential. Coordinate investment decisions with client funding strategies, e.g. college funding, retirement funding, etc.
RETIREMENT PLANNING ANALYSIS AND RECOMMENDATIONS
Analyze and formulate a retirement income model based on Client's existing assets, future earning potential, savings and company benefits in comparison to Client's desired retirement standard of living. Project income Client could achieve in retirement and provide savings strategies towards achieving retirement income goals. Recommendations may include age at which to take Social Security, suggested options for pension plan payouts and tax strategies. Facilitate and Coordinate with Client's tax advisor or CPA.
EXISTING RISK MANAGEMENT AND FUTURE NEEDS RECOMMENDATIONS
Review Client existing risk management policies to determine if existing benefits, if applicable, are appropriate and cost effective. Provide suggestion that may improve Client's overall risk management and needs. Insurance review may include existing fixed and variable insurance contracts, disability insurance, and long-term care coverage or needs. Insurance review does not include homeowners, auto, medical and health, or property and casualty insurances.
ESTATE PLANNING REVIEW AND RECOMMENDATIONS
Review Client existing estate planning documents, including Wills, Trusts, and Power of Attorney. Check ownership of assets and beneficiary designations. Assist with date of death values and transfers. Facilitate and coordinate with Client's estate planning attorney.
CHARITABLE GIVING REVIEW AND RECOMMENDATIONS
Client may desire to share assets with certain charitable organizations during Client(s)'s life and/or upon Client(s)'s death. Review will include understanding Client(s)'s goals and financial situation and will provide ideas and suggestions for Client to give assets and/or income to charity. Facilitate and coordinate with Client's attorney to implement charitable giving strategies.
DEBT MANAGEMENT REVIEW AND CASH FLOW ANALYSIS RECOMMENDATIONS
Review will include understanding Client(s)'s goals and financial situation and will provide ideas and suggestions for Client to manage their debt and understand all of their sources of income to determine if their spending is in line with stated goals. Review may include analyzing assets and liabilities, liquidity constraints, existing interest rate on debt, ratio of discretionary to non-discretionary expenses and assessing Client's financial priorities.
Asset Allocation Review and Recommendations do not include consulting services to assets under management through Pinnacle Private Wealth. Investment Portfolio Analysis and Recommendations do not include consulting services to assets under management through Pinnacle Private Wealth.