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Reaching financial freedom in life does not always simplify things. In reality, the accumulation of wealth often increases one’s responsibilities and once simple decisions, become complex and time consuming. The effort and knowledge required to maintain the growth, protection and ultimate distribution of wealth can be a daunting task. Garrison Advisors are here to help provide you with the solution – in an independent, objective and integrated fashion. 

PERSONAL FINANCIAL PLAN

  • Fact Finding – We gather information about your current situation and additionally, but more importantly, we take the time to learn about you. What are the values, foundation, and desires that make up your family’s financial personality?
  • Personalized Financial Plan delivered to establish and help you reach your financial goals.
  • Build your personal financial website that aggregates all of your accounts and provides updates on your financial products on a daily basis.
  • Action item list provided to roadmap the steps needed to execute your custom plan.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.

CASH FLOW MODELLING

  • Assess current and long term cash flow needs.
  • Analyze 1, 5, 10 & 20 Yr. cash flow models to plan for future events
  • Create and evaluate retirement cash flow analysis.
  • Mortgage and overall debt analysis

TAX PLANNING STRATEGIES

  • Analyze current and future income tax liabilities.
  • Inform, advise, and implement strategies to help minimize income tax exposure.

INSURANCE ANALYSIS OR RISK MANAGEMENT

  • Review existing Life and disability coverage. Analyze for any potential gaps or needs.
  • Long Term Care Insurance analysis for clients and/or parents.
  • Property & Casualty – Homeowners, Auto, Umbrella. Review deductibles and identify any gaps.
  • Review Survivor cash flow analysis and disability plan.
  • Review credit reports and tips to improve credit score.
  • Recommendations on credit protection.
  • How to reduce the risk of identity theft

BENEFITS AND COMPENSATION PLANNING

  • Maximize company benefits.
  • Review and advise on employee benefit plans, elections, and beneficiary designations.
  • Discuss participation level and investment options for corporate retirement and deferred compensation plans.
  • Analyze distribution elections and review stock option strategies.

WEALTH MANAGEMENT STRATEGIES

  • Determine investment goals and recommend overall asset allocation based on your goals, objectives and time horizon.
  • Research, analyze and advise on the various investment strategies and options.
  • Integrate benefit and retirement plans into the personal investment portfolio. Provide strategy and allocation recommendations using Active/Passive approach.
  • Provide regular performance reporting and monitoring of investments.

RETIREMENT PLANNING

  • Develop a personalized retirement plan that is focused on meeting your specific needs
  • Discuss specific retirement investment strategies and recommendations across all qualified and taxable accounts.
  • Run “What if” scenarios to measure the effects of various decisions. (i.e. early retirement, major purchase, etc.)
  • Provide Monte Carlo simulations to provide best/worst case projections.

ESTATE PLANNING*

  • Evaluate existing documents. Review of wills, trusts, asset titling to help ensure these meet your family objectives, goals, concerns.
  • Provide tax savings recommendations to help minimize your potential estate tax exposure.
  • Review projected estate tax balance sheet and estate distribution flow charts.
  • Coordinate asset ownership and review beneficiary designations for retirement accounts and insurance policies.
  • Real estate and business assets held in LLC’s for liability protection and probate avoidance.
  • *Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.