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 Topics we cover include: financial independence planning, portfolio analysis, retirement analysis, estate planning, education planning, tax planning, tax preparation, tax projection, stock option planning, life insurance review, other insurance review (home, auto, etc), rollovers, pensions plans, annuities, goal setting, debt management (reduction and leverage), record keeping, spending plans, employee benefit review, compensation negotiation, entrepreneurial development, small business coaching, home buying/selling, mortgage analysis, and sudden wealth planning.
The financial life cycle was created by Bert Whitehead, founder of Cambridge Advisors and author of 'Financial Dysfunction- Why Smart People Do Stupid Things with Money'. The life cycle represents transitional stages in our lives as they relate to our age and our financial progress.
We will measure your progress through the financial life cycle by comparing your age, net worth, and current income to our life cycle chart to find where you are today. No matter where you are on the financial life cycle, there are strategies we will use to accelerate your progress to the next stage. The end result is financial freedom.
 At our firm, we help you achieve
FINANCIAL FREEDOM and PEACE OF MIND through
fee-only life-integrated planning in the following areas: Financial Planning, Tax Services and Investment Counseling.
FINANCIAL PLANNING:
- Core Financial Planning - We thoroughly review and make recommendations for retirement savings, financial independence, cash flow, education, real estate decisions, mortgage and debt management, charitable giving, stock options, pension plan options, and IRA's. Also, careful planning can ease such life transitions as the death of a spouse, divorce, second marriage, early retirement, and starting a small business.
- Insurance / Risk Management - We will review your insurance needs, current coverages and deductibles, and educate you on insurance you need to be safe, as well as elaborate coverage you may not need. We cover insurance such as life, health, disability, long-term care, automobile, and homeowners insurance, while coordinating coverage with your employee benefits.
- Retirement Planning - When do you wish to retire? How much do you need to save to meet your goals? Your goals, present savings, and many other factors will be analyzed and a realistic projection will be developed.
- Estate Planning - You will be guided through the process of deciding how your family and other loved ones are taken care of and how you want your assets divided. The focus is on simplicity for your heirs, reducing probate costs, reducing estate taxes while making sure your wishes will be implemented.
- Goal Setting - We will guide you in setting attainable goals for the near term and for the future.
TAX SERVICES:
- Tax Preparation - We prepare your income tax returns and provide you with professional advice year round. We will teach you techniques to reduce your taxes, that often result in large savings each year.
- Audit Protection - In the event of a tax audit, we will be there to assist and represent you. In most cases, you won't have to be present at the audit.
- Tax Planning - We conduct tax-planning sessions during the year to minimize taxes and project results so there won't be any surprises when your return is filed.
- Record Keeping - We will give you a yearly information tracking system and training along with a complete home filing method designed to maximize tax savings and require minimal effort to maintain.
INVESTMENT COUNSELING:
- Portfolio Analysis - Are your present investments appropriate for your risk tolerance? Tax bracket? Long-term financial goals? Is your retirement plan - IRA, Keogh, 401K, 403B invested correctly? Often the most important part is investing tax efficiently.
- Asset Allocation - We will develop a personalized asset allocation plan based on your needs and objectives. Your individualized portfolio will balance your investments to hedge against inflation and unpredictable economic and market cycles while participating in periods of economic prosperity.
- Commission Free Investing - We will utilize no-load, low expense mutual funds and make specific recommendations for your portfolio. There will be no sales charges or commissions, hidden or otherwise. We will also facilitate the implementation of our recommendations through our preferred custodian, Charles Schwab & Co. (See www.Schwab.com). Our goal is to provide professional, unbiased investment advice.
"This must cost a fortune?"... No, Not at all, the annual retainer is very reasonable, give us a call to see for yourself: for a no-cost no-obligation consultation call 901-683-1123 option 1
For a map to our office click "HERE".
LINKS:
Windfall Wealth Planning PC www.WindfallPlanning.com 1007 Oakhaven Road HRobinson@WindfallPlanning.com Memphis TN 38119 Ph (901) 683-1123 Fax (901) 683-1173
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