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
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
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
| 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
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
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
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