Comprehensive Financial Planning Having a comprehensive financial plan is a prerequisite to any successful investment program. Such a plan, aimed toward both long-term and short-term financial goals, must integrate tax and estate planning and provide a context within which portfolio allocation is fashioned and performance is judged. To start this process, we learn and digest the details and issues of your financial life, or what might be termed your unique "financial DNA," not simply the investment selection issues handled by many planners. This means exploring with you each of the following matters: your current portfolio the stage and trajectory of your career the value, growth and succession or exit plan of your business the source and nature of your income your taxes any employee stock options or restricted stock the financial resources of your children, parents or other dependents your properties, liabilities and insurance coverage your retirement goals your estate plan your charitable goals Written Analysis By applying our expertise in financial planning, tax analysis, portfolio construction and utilizing the advice of your estate planning attorney (see our Law Firm Affiliation), we prepare a comprehensive written analysis of your: balance sheet cash flow tax planning and estimated future taxes savings for educational commitments and retirement along with recommended use of tax-deferred accounts spending and budgeting (assessing each year what is a responsible and sustainable amount to use from your investment portfolio) long-term investment policy with expected returns and volatility selected investment managers asset class commentary and current asset allocation stock options and restricted stock strategies insurance coverage and recommendations current estate plan and recommendations Annual Update At least annually, we update your financial plan in all of the areas described above. We also rebalance your portfolio and may suggest a tactical adjustment to your asset allocation. Ongoing Advice We remain available to you throughout the year. Clients typically seek our counsel regarding decisions that may affect their finances (e.g. the purchase or financing of a major asset) or arise in connection with major liquidity events (e.g. IPO or sale of a business). We also contact clients to discuss opportunities that we identify. For a more detailed examination of certain aspects of the comprehensive financial planning process, we invite you to refer to the sections entitled Investment Philosophy and Investment Process. See also Services Comparison Chart. © Copyright 2012 - Frederic T. Kutscher Associates, Inc. All Rights Reserved. | Disclaimer