Financial Planning

MANAGING THE COMPLEXITY

Our comprehensive planning process runs scenarios to identify where we can create reliable sources of retirement income, reduce the risk of running out of money, reduce investment expenses, coordinate income in a tax efficient way, claim Social Security to maximize cash flow, use Roth conversions to your advantage, plan for, or around, scheduled deferred comp payouts, and strategically exit concentrated positions in company stock. Our roadmap includes reviewing and analyzing the topics below:

PERSONAL FINANCIAL WEBSITE

  • Dashboard
  • Financial Goals Monitoring
  • Account Consolidation
  • Investment Allocation Plan
  • Retirement Cash Flow Illustrations
  • Document Storage (Vault)
  • Financial Reports Center


PRIORITIES & GOALS

  • Goals & Objectives Set
  • Major Expense Planning
  • College Planning
  • Priorities & Action Established
  • Goals & Action Monitoring


CASH FLOW PLANNING

  • Retirement Feasibility Analysis
    (How long does my money last?)
  • Retirement Cash Flow Stress Test
  • Income & Expense Projections
  • Detailed Withdrawals Report
  • Income Plan - Account Mapping
  • Required Minimum Distribution (RMD) Plan
  • Retirement Documents Review & Implementation
  • Social Security Start Date Assessment


COMPENSATION & BENEFITS

  • Executive Compensation Planning
  • Annual Enrollment Planning - Retirement Plan
    (401k, SSP)
    • 401k Contribution - % of Salary & Match
    • Deferred Compensation (SSP)
    • Deferred Compensation - Payout Election
    • Life, Disability & Medical
  • RSU & PBRSU Planning
  • Stock Option Exercise Plan
  • Pension Annuity vs Pension Lump Sum
  • Pension Continuance Option Decision
  • Pension Accelerated Option Review
  • Retiree Medical & Medicare Planning

INVESTMENT PLANNING

  • Investment Objectives
  • Income Needs & Time Horizon
  • Risk Tolerance Assessment
  • Current Allocation Review
  • Target Allocation Plan
  • Portfolio – Risk Stress Test
  • Account Strategy by Type
  • Concentrated Stock Planning
  • Trading Window Assistance


TAX PLANNING

  • CPA Collaboration
  • Tax Return Review
  • QCD Planning with RMD
  • Charitable Gift Planning
  • Donor Advised Fund Planning


RISK MANAGEMENT & INSURANCE

  • Insurance Agent Collaboration
  • Insurance Policies Discussion


ESTATE PLANNING

  • Attorney Collaboration
  • Estate Plan Review
  • Beneficiary Designation Review
  • Donor Advised Fund Planning


MONITORING

  • Record Next Steps (Actions)
  • Record Observations (Decisions)


Note: Capital Planning, LLC is not a law office or Certified Public Accounting firm.
This information should not be construed as tax or legal advice.

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