Personalized Process

1. Income Statements
2. Investments Statements
3. Estate Documents
4. Debt Summaries
5. Private Investments
6. Social Security Statements
7. Insurance Documents

1. Gross Income (Salaried, Bonus, ESOP, Pension, Social Security, Real Estate, Business Income, Private Investments)
2. Paycheck Withholdings
3. Fixed Expenses
4. Discretionary Expenses
5. Retirement Savings
6. Debt Payoff
7. NET Monthly Income/Deficit
8. Funding Efficient Saving Order
9. Emergency Savings, Education, Taxable, IRA’s, HSA, Employee Stock
10. Maximize Tax Efficient Distribution Strategy

*Our Goal is to formalize a plan for Savings (employees), Distribution (retirees), and Wealth Transfer (Next Generation)

1. Goal Analysis (Family, Retirement, Spending, Education, Travel, Savings, Wealth Transfer, Homes, Weddings.)
2. Life Organization & Simplification of Financial Affairs
3. Family Education
4. Large Purchase Analysis
5. Executive Compensation Planning and Tax Projections
6. Business Owner Exit & Succession Planning
7. Tax Strategies (Proactive tax avoidance, Tax Return Review and Preparation Letter for CPA, asset location, Realized G/L Projections, Roth Conversion)
8. Retirement Planning (Social Security Analysis, Medicare/ Medicaid Analysis, tax-efficient retirement distribution, Retirement Account Analysis, LTC Planning)
9. Estate Strategies (Annual Beneficiary Review, Multi-generational planning, Trustee and Executor Education, Estate Tax Avoidance, Intrafamily Gifting and Lending Analysis, Detailed education of components of estate plan and simplification, ongoing estate analysis, Trust services through partners)
10. Charitable Giving (Charitable Gifting strategies, tax savings analysis utilizing different gifting strategies)
11. Insurance (Medicare supplemental insurance, insurance price comparisons, Advanced Life Insurance Strategies for estate tax avoidance and business owners)
12. Banking ( Cash Management, Securities Based Lending Analysis)
13. Family Meetings to coordinate Wealth Transfer and Educate
14. Emergency Savings, Education, Taxable, IRA’s, HSA, Employee Stock
15. Maximize Tax Efficient Distribution Strategy

*Our Goal is to formalize a plan for Savings (employees), Distribution (retirees), and Wealth Transfer (Next Generation)

1. Access to in house experts to assist reviewing your estate, insurance, tax, Medicare, and longevity documents and plan
2. Arrange collaborative phone calls with experts to streamline and establish a clear connection between our objectives and your strategy
3. Coordinate joint meetings to make sure everyone is on the same page and in agreement on proposed plan
4. Communication between your Plaza team and your professional to simplify the initial document gathering process, list of assets, proposed strategy analysis, and organization

*Client performance number needed to achieve their goals - personalized benchmark

1. Customize client's risk need to match Client Tailored Performance Measure from the Plan
2. Tax Optimized Investment Solutions
3. Frequent Tax Loss Harvesting Analysis
4. Concentrated Stock Position Analysis
5. Access To Private Alternative Investments
6. Monthly Market and Economic Updates
7. Access To Market-Linked Alternatives
8. On-going Portfolio Review and Education

1. Track annual required minimum distributions (RMD) to make sure they are sent out on an annualized basis
2. Portfolio rebalancing and as client's financial goals and risk change
3. Proactive communication with your accountant and estate attorney to make necessary updates to your plans regarding tax changes, charitabale gifting strategies, wealth transfer ideas, etc.
4. On-going tax management within all taxable investment accounts, so there are no surprises at the end of the year-  work within a tax budget
5. Tax bracket management and tracking to make sure we are using up brackets in years with lower income
6. Family meetings to keep everyone up to speed on the wealth transfer, expectations, education of inherited accounts, and family involvement
7. 24 hour response time promise
8. Scheduling link available for last minute discussion items that arise
9. Offer educational resources and insights to keep clients informed about financial best practices and market trends
10. Liquidity planning to ensure clients have adequate access to cash when needed while maintaining long-term investment objectives
11. Maintain open and proactive communication with clients to address concerns, answer questions, and keep them informed.
12. Implement strategies to protect clients' assets from unexpected events or market downturns.
13. Provide clients with regular monthly, detailed financial reports and updates on the status of their portfolios.

*Client performance number needed to achieve their goals - personalized benchmark