• Review of investments and design of portfolio appropriate for financial objectives and risk tolerance
• Review investment performance, update financial objectives and reallocate portfolio if desired
• Monthly investment statements
• Commission-free transactions on stocks, bonds or mutual funds traded in an investment advisory account*
• Quarterly investment performance reports
• Detailed investment performance report per position offered at client meetings 

 *Account subject to advisory fees. Ticket charges apply on stocks, bonds and on most mutual funds.

• Offering of periodic meetings (quarterly, semi-annual or as requested)
• Quarterly newsletter and regular reports on issues pertinent to retirement or other financial issues
• Client education and appreciation events

During Life:

• Review of your current estate plan and estate concerns
• Complimentary consultation with your attorney
• Assistance in coordination of client's assets with their estate plan including retitling assets to their trust
• Coordination of estate planning with IRAs, 401(k)s, and other retirement and non-retirement assets

At Death:

• Assistance in the process of transferring assets to settle the estate
• Assistance with distribution of estate in coordination with attorney and CPA/Accountant
• Tax adjustments made to reflect step-up/step-down basis as of date of death
• Establishment of inherited IRA/403(b)

• One-On-One Consultation with Social Security expert
• Review of client’s specific circumstances
• Review of issues associated with divorce, disability and death
• Social Security calculator software for illustration of various Social Security options

• Analysis of the beneficiaries for IRAs
• Direction on establishing an Inherited IRA
• Required Minimum Distribution (RMD) calculations for clients and heirs, verification of RMD amount with custodian and confirmation the RMD has been withdrawn
• Review the pros and cons of converting to a Roth IRA
• Review the pros and cons of rolling over from a qualified plan to an IRA.

• Ongoing tracking and, when necessary, recording of entire investment history of covered and uncovered shares—including initial deposit, subsequent contributions, dividends and capital gains to create a tax basis figure for tax return
• Realized and Unrealized gains and losses report available
• Step-up/step-down basis calculations as of date of death

• Complimentary consultation with your CPA/Accountant
• Offer to review tax return for retirement distribution reporting for assets
• Offer to review tax return for tax basis reporting of investment sales

• Development of a Financial Planning Portfolio