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United Team | Tax & Financial Planning

“The solutions all are simple….after you have arrived at them. But they are simple only when you know already what they are.”

– Robert M. Pirdig, American Philosopher

Life Event Solutions

The value of our planning process is to uncover financial “uncertainties” that we may not have known existed, then working immediately to remove them by providing solutions with only your best interests in mind.

1. Risk Management – Insurance (Life and Long-Term Care) 

  • Analyze insurance needs based on income, health, age, investment portfolios, education needs, goals and objectives
  • Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance and look for opportunities for improvement or money savings
  • Provide guidance on property and casualty policies
  • Provide advice for long-term care insurance, types of coverage, riders, cost benefit analysis
  • Provide advice on disability insurance and planning for loss of income
  • Provide advice on elder care issues
  • Analyze liquidity needs for estate tax purposes, gifting and inheritance planning

2. Education Funding 

  • Provide access to education investment accounts, e.g. 529 plans, custodial accounts, Education Savings Accounts, IRA’s and Savings bonds
  • Establish and monitor financial education programs

3. Client Education and Monitoring Process

  • Provide investment information with a comprehensive approach
  • Keep you up to date with product, service, strategy changes and improvements
  • Conduct ongoing communication through face to face meetings, telephone conferences and web based conferencing
  • Provide appointment summaries
  • Send monthly newsletters or updates
  • Provide positive encouragement and motivation for effort and successes
  • Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
  • Support you through life’s transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
  • Encourage you to save and invest
  • Help you understand the various attitudes toward money and the financial decision making associated with each of them
  • Resolve problems quickly
  • Educate you on the potential tradeoffs of financial decisions and how they relate to goals
  • Provide economic and stock market updates and explain what it means to you
  • Help evaluate the economic news with you and make decisions accordingly
  • Constantly seek out professional education for myself to better serve you

4. Client Access, Online Vault and Performance Reporting 

  • Constant access to account performance via computer or mobile device
    Personal budgeting tool
  • Secure online vault with unlimited space for important documents such as: wills, trusts, insurance policies

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