FINANCIAL PLANNING

With so many different options for claiming Social Security Benefits, this is designed to assist our clients in making the most appropriate Social Security benefit selection for them, based on their individual needs and benefit options.

This planning level is meant to address financial concerns with deeper complexity.  This is appropriate for higher income and net worth clients, business owners and people who need to develop retirement income strategies.  This planning level is large in scope, but intensive in analysis and comprehensive in application.  Comprehensive planning is designed to provide a quantitative basis for critical decisions as they pertain to one's business, personal wealth and legacy.  This will involve coordination with other financial professionals (accountants, attorneys and other advisors).

Deliverables:

• Objectives, Assumptions, Gap Analysis
• Key Employee/Executive Planning
• Asset Allocation/Investment Analysis
• Retirement Analysis
• Debt/Cash Flow Analysis
• Risk Management
• Full Plan Write-up
• Business Succession Planning
• College Funding Strategies
• Basic Estate Planning
• Implementation Schedule*

Neither Cetera Advisors nor any of its employees or agents are authorized to give legal or tax advice. Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters. 

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.