Our Services
We provide a wide array of financial planning and investment management strategies to our clients, divided into six primary areas. We customize these services based on the client's unique financial position and personal goals.
Cash-Flow Planning
- Cash-reserve levels
- Cash-flow management
- Identify discretionary income
- List income sources
- List detailed expenses
- Net worth
- Debt management
- List one-time large expenses
Tax Planning
- Tax reduction
- Tax deferral
- Tax avoidance
- Future taxes due
- Withholding
- Tax diversification
- Qualified investments
- Non-qualified investments
- Effects of liquidation
- Filing status
- Business ownership
- Non-traditional ownership
Investment Planning
- Asset allocation
- Education planning
- ETF, mutual fund, stock, and bond analysis
- Options/restricted stock/non-qualified deferred compensation
- Investment fee review
- Risk tolerance
- Tax implications
- Cost basis
- Time horizon
- Diversification strategies
- Dollar-cost averaging
Protection Planning
- Disability analysis and options
- Long-term care analysis and options
- Life insurance analysis
- Medical/health review
- Property/casualty review
- Deductibles vs. cash reserves
- Beneficiary designations review
- Special needs situations
- Alternate additional coverage strategies
Retirement Planning
- Minimum distributions
- Pre-59 1/2 strategies
- 401(k)s, 403(b)s, 457(b)s
- IRAs, Roth IRAs, HRAs
- Medicare/Medigap
- Social Security
- Roth conversions
- Long Term Care
- Income planning/streams
- Healthcare
- Tax
- Risk tolerance
- Pension analysis
- Bucket strategy
Estate Planning
- Estate balancing
- Capital transfer
- Asset ownership
- Trusts
- Wills
- Trust funding
- Income in Respect of a Decedent (IRD) planning
- Medical directive
- Succession planning
- Special needs dependents
- Minor children
- Generation skipping
- Short-term life expectancies
- Estate liquidity
- Beneficiary review
- Digital assets
- Important Family Financial Information
NPA and LPL do not provide tax and legal advice or services. Please consult your tax and legal advisor regarding your specific situation.
Let's Begin the Conversation!
Every journey begins with a single step.
When you are ready to begin your financial future, chart your path to retirement, or perhaps just make a course correction, we are here and ready to help.
If you have questions or just want to talk, please fill out this form, and we’ll be in touch to assist you in any way you need.