Investments
- Consolidate investments & accounts
- Evaluate investment alternatives
- Explain investment ideas in a manner that makes it easy to understand
- Provide annual asset allocation review and, as needed, account re-balancing
- Conduct semi-annual review of investment statements
- Review your investment strategy to maintain an individualized, high-quality portfolio
- Create and review an investment policy statement
- Evaluate current holdings and look for opportunities to increase returns on cash accounts
- Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity
- Money manager selection process
Qualified Retirement Plan (401k, 403b, 457)/IRAs
- Provide 401(k), 403(b) or 457 investment advice
- Evaluate pension plan structures, IRAs, Roth IRAs or qualified plans
- Analyze distribution options for pensions
- Calculate retirement plan benefits, including Social Security
- Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
- Provide Roth IRA conversion calculations and advice
Goal-Related
- Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
- Conduct annual planning evaluations and tracking of goals
- Provide proactive follow up on action items
- Develop, establish and track individual and family goals
- Promote vacation planning and quality-of-life enhancements
- Calculate net worth and review cash flow annually
Tax Issues
- Provide information about tax-planning investment strategies
- Simplify tax reporting
- Discuss the benefits of optimizing your 401(k), 403(b) or other retirement plan options
- Provide capital gains and loss planning
- Help you reduce taxation of Social Security benefits
- Provide a year-end capital gains/loss analysis
- Interface with your CPA on your behalf
- *PSE Wealth Management does not render legal, accounting or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences
Stock Options/Employment Support
- Explain how to best utilize employer benefits
- Analyze the economic benefits of employment offers
- Evaluate stock options and distributions as well as restricted stocks
Insurance
- Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance and look for opportunities for improvement or money savings
Gifting to Children/Descendants & Education Planning
- Educate you on the various minor account ownership options: UTMAs, Education IRAs, 529 plans, etc.
- Provide financial education for children/grandchildren
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