Seventy-Five Things We Strive to Do for You
Seventy-Five Things We Strive to Do for You
Financial Planning
- Care more about you, your money, and your future than anyone who doesn’t share your last name.
- Ask questions in order to understand your needs and objectives.
- Help you determine your present financial situation.
- Guide you to think about areas of your financial life you may not have considered.
- Help you organize your finances.
- Help you determine realistic goals.
- Formalize your goals and put them in writing for you.
- Help you prioritize your financial opportunities.
- Study possible alternatives that work towards meeting your goals.
- Prepare a financial plan and help manage an investment policy statement for you.
- Make specific recommendations to help you work toward your goals.
- Help you implement those recommendations.
- Suggest creative alternatives that you may not have considered.
- Help you stay “balanced, yet flexible” in a constantly changing world.
- Review and recommend life insurance policies to help protect your family.
- Assist you in setting up a company retirement plan.
- Assist in preparing an estate plan for you.
- Review your children’s custodial accounts and 529 plans.
- Help you determine your IRA Required Minimum Distribution and understand your options.
- Persuade you to do the things you know you ought to do, even if you don’t feel like doing them.
Investments
- Create a strategy for your hard-earned savings in retirement.
- Prepare an asset allocation that seeks to achieve a competitive rate of return for a given level of risk tolerance.
- Perform due diligence on money managers in order to make appropriate recommendations.
- Stay up to date on changes in the investment world.
- Monitor your investments.
- Review your existing annuities.
- Review your investments in your company 401(k) or 403(b) plans.
- Review your existing IRAs.
- Review and revise portfolios as conditions change.
- Guide you through difficult periods in the stock market by sharing historical perspective.
- Review and evaluate your investment performance.
- Look ‘inside’ your investments in an effort to avoid redundant holdings.
- Help you evaluate the differences in risk levels between various fixed-income investments such as government bonds, municipal bonds and corporate bonds.
- Provide you with a written asset-class based evaluation of your portfolio.
- Determine the risk level of your existing portfolio.
- Help you consolidate and simplify your investments.
- Provide you with alternative investment options.
- Provide introductions to various investment institutions.
- Show you how to access your statements and other information online.
- Shop for top CD rates from financial institutions throughout the country.
- Provide access to research from a major investment firm.
Taxes
- Suggest alternatives to lower your taxes during retirement.
- Review your tax returns with an eye to possible savings in the future.
- Stay up to date on tax law changes.
- Help you reduce your taxes.
- Reposition investments to take full advantage of tax law provisions.
- Work with your tax and legal advisors to help you address your financial goals and avoid costly mistakes.
Person to Person
- Make sure that I and the Jax Wealth team provide you with excellent service at all times.
- Monitor your family and life changes; marriage, birth, death, divorce, etc., and assist you with appropriate changes to your Financial Plan.
- Proactively keep in touch with you.
- Remain only a phone call or a visit away to answer your financial questions.
- Serve as a human glossary of financial terms such as beta, P/E ratio, Sharpe ratio, etc.
- Provide referrals to other professionals, such as accountants and attorneys.
- Refer you to banking establishments for loan and trust alternatives.
- Provide you with a spreadsheet showing the monthly returns from all of your investments, if appropriate.
- Suggest alternatives seeking to increase your income during retirement.
- Listen and provide feedback in a way that a magazine or newsletter writer cannot.
- Share the experience of other clients who have faced circumstances similar to yours.
- Help educate your children and grandchildren about investments and financial concepts.
- Hold seminars to discuss significant and/or new financial concepts.
- Help with the continuity of your family’s financial plan through generations.
- Facilitate the transfer of investments from individual names to trust, or from an owner through to the beneficiaries.
- Keep you working towards your goals.
- Identify your savings shortfalls.
- Develop and monitor a strategy for debt reductions.
- Educate you on retirement issues.
- Educate you on estate planning issues.
- Educate you on college savings and financial aid options.
- Educate you about potential opportunities and risks.
- Be someone you can trust and get advice from for all your financial matters.
- Act as a wise sounding board for ideas you are considering.
- Provide honest feedback even when it hurts.
- Help you control your emotions as they relate to money and investments.
- Motivate you to make difficult decisions.
- Take responsibility that no one else wants to take.
This information is not intended to be a substitute for specific Individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.