Year In Our Relationship
What to Expect
Our comprehensive wealth-management approach includes regular portfolio monitoring and at least quarterly account reviews, with investment decisions evaluated in light of each client’s objectives, risk tolerance, liquidity needs and tax circumstances.
Depending on your circumstances, planning work across a typical year may include the items below. Timing and scope vary by client. Tax, legal, accounting and insurance matters are coordinated with the client’s outside professionals.
❋ April to June
Review IRA/Roth IRA Contributions
Review 401(k) for Rebalancing
Investment Portfolio Review
Insurance Coverage Review and Coordination
Estate Document and Beneficiary Coordination
Tax Return Review for Planning Opportunities
❋ July to September
Tax Return Collection
Beneficiary Review
Review Client Cash Flow Projections Update
Outside Assets (Real Estate, External Accounts)
Discuss Roth Conversion Opportunities
❋ October to December
Tax Report Review and Tax Projections
Year-End Tax-Planning Coordination
Review Distributions for Upcoming Year
Charitable Giving Opportunities
Update Client Cash-Flow Projections
❋ January to March
Tax Efficient Distribution Strategy Review
Annual Financial Plan Review
Review Required Minimum Distributions
Confirm Tax Withholding Elections
Confirm Cash Needs for Upcoming Year