Financial planning is the process of making a comprehensive analysis at your financial situation and building an implementable financial plan to reach your goals with managed risks. Financial planning often delves into multiple areas of personal finance, including saving, investing, taxes, retirement, insurance, debt management, your estate, and more.

Take a comprehensive look at your current investment portfolios and savings. Analyze your investment objective, risk tolerance, and other aspects of your investment profile. Make recommendations on what strategies you would take in order to achieve better risk-adjusted performance over the long term and build more wealth.

Analyze your current investment portfolios, tax rates, goals, etc. Make recommendations on how to take advantage of the tax code, so that you would achieve more investment growth of your assets on after-tax and after-cost basis. Each recommendation is quantified by a dollar amount, so that you may take specific actions.

One area is contributing to Roth 401k vs pretax 401k based on the metric of total tax savings. We analyze about ten such areas for potential tax advantages and provide a final dollar amount, which is the sum of the tax advantage amounts of all areas analyzed.

Perform a comprehensive analysis on your investment portfolios, risk mitigation plans, tax and estate planning measures, and future retirement goals. Make recommendations on strategies to bridge the gaps, mitigate risks, achieve better outcomes, and reach retirement goals. An optimal Social Security claim strategy is recommended as part of this planning.

Perform a comprehensive analysis on your retirement assets and retirement goals. Make recommendations on strategies to create a sustainable income stream that will last your lifetime. An optimal Social Security claim strategy is recommended as part of this planning.

Analyze your situation and create an optimal strategy to claim Social Security benefits, so that your total benefits during retirement will be maximized. The optimal strategy is quantified by a dollar amount, and enables many clients to get much more benefits, often more than $100,000, compared to their original strategy.

The average benefit gain from the optimal strategy for our clients as of 1/4/2023 is $114,305.

This is a service for clients only. It is free of charge.

Analyze your situation, assess your need for life insurance, and recommend which type of life insurance is best for you if there is a need. The analysis includes term life insurance, whole life insurance, index universal life (IUL), variable universal life (VUL), index variable universal life (iVUL), advisory variable universal life (aVUL), etc.

This is a free service.

Analyze your situation, assess your need for long-term care insurance, and recommend which type of long-term care insurance is best for you if there is a need. The analysis includes linked-benefit LTC insurance, life/LTC hybrid insurance, annuities with a LTC rider, etc.

This is a free service.