Financial Planning Consultants, Inc. (FPC) with its headquarters located in Lafayette, Indiana, provides a number of Wealth Advisory Services to businesses. Some of the areas that we focus on include:
 
  • Business Entity and Structure Analysis
  • Banking Arrangements
  • Board of Directors or Advisory Board Membership
  • Business Continuity/Succession Planning
  • Legal Documentation and Requirements
  • Insurance Analysis
  • Employee Benefits Analysis
  • Executive and/or Key Person Compensation Benefit Arrangement Reviews
  • Business Acquisitions and Divestitures
  • Business Valuation
  • Personal Financial Planning Services for Owners and Key Employees
  • Financial Planning Workshops for the Business Entity's Staff Employees
  • Fiduciary Reviews
 
 
In addition, we offer Retirement Plan Services to businesses. These services include:
 
  • Plan Establishment Consulting
  • Investment Policy Statement Development and/or Review
  • Investment Management*
  • Investment Consulting
  • Investment Education Workshops
  • Plan Reviews and Plan Administration
 
Our Wealth Advisory Services for businesses strive not only to provide quality solutions to common business needs, but we also help to implement and seamlessly integrate these solutions into each individual business. Moreover, after the strategic plan is implemented, we monitor the progress and measure the results. Ultimately, our mission is to maximize the value of the business by allowing the owners to focus on their core competencies while we focus on ours!
 

TABLE OF CONTENTS
 
 
  1. Business Consulting
  2. Key Employee Services
  3. Retirement Plan Services
  4. Investment Management* Services
  5. Fiduciary Reviews
  6. Educational Services
  7. Seminars & Speaking Engagements

 
BUSINESS CONSULTING
 
FPC consults businesses in several different areas. An FPC advisor may also confer with outside experts or subcontract certain aspects of our service to deliver the high quality advice to our clients. Our consulting services include, but are not limited to, the following:
 
Analysis of Forms of Business Entity:
This service includes an analysis of which form of business entity appropriately fits the business being consulted. The different forms include:
 
  • Sole Proprietorship
  • General Partnership
  • Limited Partnership
  • C Corporation
  • S Corporation
  • Limited Liability Company

Analysis of Banking Arrangements:
An extensive analysis of loan arrangements, borrowing rates, cash management, and service costs for deposit accounts, including checking, escrow accounts, and certificates of deposit is conducted. Also included is the determination whether or not to provide personal guarantees on loans.
 
Arrangement of Loan Financing:
FPC assists businesses with their commercial financing needs, including lines of credit, term loans, commercial real estate loans, equipment loans, and leasing. FPC seeks out financing arrangements among multiple lenders and reviews all loan documents.
 
Board of Directors or Advisory Board Membership:
FPC can provide an advisor to sit on a business entity’s Board of Directors or Advisory Board. We can add significant value to almost any business, due to our extensive knowledge of issues that affect the operation of a business.
 
Business Continuity/Succession Planning:
FPC advises businesses on continuity issues involving the transition of ownership interests among partners, shareholders, and/or next generation owners. Reviews of buy-sell agreements, funding arrangements, and valuation issues, including insurance analysis are conducted. Furthermore, recommendations and assistance with implementation are provided.
 
Legal Documents and Requirements:
FPC works closely with our client’s attorney to provide a complete review of legal documents, such as articles of incorporation, shareholder agreements, partnership agreements, employment contracts, non-compete and non-solicitation agreements, and corporate by-laws. Board meeting minutes are reviewed to determine if they are in good form, up-to-date, and appropriate for the company’s needs. Should changes be needed and/or documents added, FPC arranges and coordinates their creation and implementation.
 
Insurance Analysis:
FPC identifies all areas where insurance coverage is needed, evaluates existing policies for appropriateness of coverages and cost competitiveness, makes recommendations for additional coverages or alternative solutions, if needed, and assists in the selection of the policies. FPC works with an extensive network of insurance providers. Insurance coverages reviewed include, but are not limited to, the following:
 
  • Commercial Property and Casualty
  • Worker’s Compensation
  • Healthcare Programs
  • Executive Life
  • Split-Dollar Life
  • Key Person Life
  • Group Life
  • Disability
  • Disability Buy-Sell
  • Disability Overhead
  • Group Long-Term Care
  • Employment Practices
  • Professional Liability
  • Officers and Directors Liability

Employee Benefits:
Extensive evaluations are made of all employee benefits. Each evaluation attempts to achieve cost reductions and/or other improvements. If suitable, new benefits are recommended. Benefits considered include:
 
  • Group Life Insurance
  • Group or Individual Disability Insurance
  • Medical Insurance
  • Dental Insurance
  • Alternative Medicine
  • Prescription Drugs
  • Vision Insurance
  • Group Long-Term Care Insurance
  • Pre-tax Dependent Care and Medical Reimbursement Plans (Flexible Spending Accounts)
  • Cafeteria Plans
  • Day Care Assistance
  • Education Assistance
  • Qualified Retirement Plans
  • Legal Aid Plans
  • Employee Stock Purchase Plan

Executive and/or Key Person Compensation Benefit Arrangements:
A review is provided for all executive compensation benefit arrangements. These arrangements are reviewed for compliance with federal and state laws, appropriateness, and cost effectiveness. Additionally, FPC will propose new benefits, if suitable, as well as coordinate the implementation. Some of these compensation benefit arrangements include, but are not limited to, the following:
 
  • Stock Appreciation Rights
  • Qualified Stock Options
  • Non-Qualified Stock Options
  • Phantom Stock Agreements
  • Non-Qualified Deferred Compensation Agreements
  • Personally-Owned Disability and Life Insurance
  • Split-Dollar and Reverse Split-Dollar Life Insurance
  • Restricted Stock

Business Acquisitions:
FPC assists companies by providing an evaluation of a business acquisition. This includes financial statement interpretation, valuation analysis, and the evaluation of non-compete and purchase agreements, the corresponding purchase price, deal structure, income tax issues, and financial liabilities. Also, FPC assists the buyer in the arrangement of debt financing for an acquisition.
 
Business Divestitures:
FPC assists business owners in preparing for their business entity's divestiture, including improving the profitability of the business, the corresponding sale price and developing a plan to divest the business. In addition, FPC assists in the selection and coordination of outside expertise. FPC counsels the client on tax ramifications resulting from the sale and the appropriateness of the purchase price and financing terms.
 
Business Valuation:
FPC provides business valuations for certain types of businesses. FPC utilizes certified business valuation professionals to help conduct the valuation analysis.
 
 

 
KEY EMPLOYEE SERVICES
 
FPC provides a number of Wealth Advisory Services to business owners and employees who are key to the success of the organization. These services are provided to key individuals in their entirety or on a selective basis. When necessary, we will consult with outside experts or subcontract certain aspects of our service to deliver the high quality advice to our clients. The services are as follows:
 
Comprehensive Financial Planning Services:
FPC develops a comprehensive personal financial plan for each of the employees that a company designates. The process begins with each key employee completing an extensive data questionnaire and delivering all relevant financial documents for FPC to analyze. The areas addressed in the service are as follows:
 
  • Preparation of financial statements, including federal and state income tax projections
  • Basic finance issues such as debt structure, liquidity and cash flow issues
  • Development of Investment Strategies, including hedging and tax-sensitive strategies
  • Income Tax Strategy Optimization, including providing alternative financial and legal structures
  • Education funding
  • Retirement planning as well as accumulation and distribution strategies
  • Estate tax reduction analysis and philanthropic decision-making
  • Trust Services through one of the independent partner trust companies with which we have developed strategic alliances, if applicable
  • Survivor needs analysis
  • Risk Management/Asset Protection, including analysis of all insurance coverages
  • Employee benefit analysis as it pertains to the key employee and their family
  • Exercise strategies for stock options, if applicable

As part of the financial planning process, FPC develops specific recommendations addressing each of the above-listed areas. During the first part of the process, the key employee will meet with an FPC advisor approximately three to six times, typically within the first six months of the client relationship. Each meeting will vary between two and four hours, depending upon the complexity of the key employee’s situation. Once the recommendations are made, FPC will assist in the implementation of the recommendations where possible. A few examples include:
 
  • Arranging loans, including mortgages and personal loans with private banking departments of banks and, when necessary, introducing a key employee with commercial loan needs to an appropriate banking officer
  • Providing a banker with the appropriate financial information to arrange or renew a loan for the key employee
  • Sending financial information to attorneys so they can prepare the necessary estate documents, including wills, trusts, powers of attorney, healthcare proxies and living wills
  • Sending income tax information to accountants, such as bonus payments and gain and loss information on the sale of securities, etc., to prepare the income tax return and to make appropriate estimated income tax payments
  • Requesting information on the policy status of life insurance and annuity policies, as well as all other insurance coverage, on behalf of the key employee and their family (this information includes such items as death benefits, cash values, surrender charges, beneficiaries, tax basis, investment return, etc.)
  • Requesting the tax basis of securities on behalf of key employees and their family
  • Requesting insurance quotes on behalf of key employees and their family

Our objective is not necessarily to reduce the complexity of the client’s financial situation, because sometimes it does make sense to utilize trusts and other strategies to mitigate taxes and achieve family friendly objectives. Rather, our goal is to save the client the time and energy that it takes to manage his/her complex situation so they are free to focus more closely on matters that mean the most to them. During the first twelve months of service, as well as all ensuing years that FPC is retained, the key employee is entitled to unlimited phone calls, meetings, and advice for their retainer fee. For the second and all subsequent years, retainer fees will be mutually agreed upon each year by the employer and FPC.
 
Investment Management* Services:
As an employee benefit to key individuals, employers can provide Investment Management* Services. Fees paid by the employer can be negotiated on a group basis, subject to minimums. The employee can select one or more investment strategies from FPC’s Investment Management* Service offerings. (See Investment Management* Services).
 
Investment Consulting Services:
An employer can contract with FPC to consult each key individual on a one-time basis or an ongoing basis about their personal investments. Under this service, FPC does not manage any investments. The key employee or their designee will make all final decisions relating to the purchase or sale of a particular security. It will also be the key individual or his designee’s responsibility to implement investment decisions. This service can be contracted on a group basis, or an allowance can be provided for each key individual.
 
Estate Planning Document Preparation Services:
If the employer contracts with FPC for its comprehensive financial planning services, key individuals, as a group, can also be provided with estate planning document preparation services. FPC has negotiated this arrangement with a law firm on behalf of its clients. Alternatively, the employer may want to provide individual allowances for each of its employees to take advantage of this arrangement. Estate documents that could possibly be included in this arrangement are as follows:
 
  • Wills
  • A/B Trust Arrangements
  • Residual Trusts
  • Irrevocable Life Insurance Trusts
  • Revocable (Living) Trusts
  • General Powers of Attorney
  • Healthcare Powers of Attorney
  • Living Wills

Additionally, more advanced documents can be provided for special fees depending on the individual’s needs.
 
 
 
 
 
RETIREMENT PLAN SERVICES
 
FPC offers a host of services to businesses concerning retirement plan issues. When necessary, we will consult with outside professionals or subcontract certain aspects of our service to deliver high quality advice to our clients. The areas include, but are not limited to, the following:
 
 
Retirement Plan Establishment Consulting:
Businesses can contract with FPC to combine all facets of establishing a retirement plan for their company. This service includes determination of what type of plan is appropriate for the company, selection of an actuarial firm, completion of plan documents, bonding, and selection of investment options and an outside vendor. Furthermore, FPC advisors will conduct on-site meetings to explain the plan to the participants.
 
Investment Policy Statement Review and/or Development:
FPC reviews a retirement plan’s existing Investment Policy Statement for its appropriateness given the trustee’s current desires. If the existing Investment Policy Statement needs rewritten or is non-existent, FPC can help develop a new Investment Policy Statement that is current with regard to the retirement plan’s investment practices.
 
Investment Management*:
FPC provides Investment Management* Services on a fee-only basis to all types of retirement plans. These include self-directed type accounts such as 401(k), 403(b), SEP, SIMPLE, defined contribution profit-sharing and money purchase pension plans, and pooled asset plans, which can be 401(k) plans as well as defined benefit plans. To view FPC’s investment capabilities please see the Investment Management* Services section of this site.
 
Investment Consulting:
FPC consults retirement plans in three primary areas, which are:
 
  • Selecting individual investments for 401(k) and other self-directed plans.
  • Conducting manager searches to replace existing portfolio manager(s) in the retirement plan’s overall allocation.
  • Conducting extensive reviews of existing portfolio managers within a retirement plan to determine if their performance is competitive and within the guidelines set by the Investment Policy Statement.
Retirement Plan Investment Education Workshops:
Companies can contract with FPC to provide investment education to their retirement plan participants. Covered in the workshops is a historical overview of the investment markets, completion of a risk tolerance questionnaire by each participant, a thorough overview of the retirement plan’s investment options and instruction as to how each participant can build an investment portfolio that is appropriate for their financial goals. Under this service, FPC does not provide specific investment advice to plan participants to avoid violation of the U.S. Securities and Exchange Commission and Department of Labor laws.
 
Administration of Retirement Plans:
FPC can assist businesses in selecting an actuarial firm for retirement plan administration. This service includes all filings for the plan, the annual report, 5500 tax reporting forms, participant statements, actuarial reports, and any retirement plan amendments.
 
Retirement Plan Review:
Periodically, a company may want its retirement plan to undergo a full-scale review. The review, which can take one to two weeks to complete, examines numerous aspects of the performance of each portfolio manager within pre-set guidelines. The final review book contains a complete overview of every facet of the review and an opinion letter.
 
The review consists of nine major areas:
 
  • Documents that define investment management authority
  • Investment professionals that currently assist with the implementation of investment decisions
  • Investment Policy Statements
  • Procedures that were followed in developing the asset allocation strategies used in participant education material
  • Reviewing Investment Options
    • Due diligence procedures that are followed in selecting investment options
    • A review of the performance of each investment option
  • Investment expenses associated with the plan
  • Procedures for monitoring the investment options and service providers
  • Overall investment activities for possible conflicts of interest or prohibited transactions
  • Socially responsive investment objectives
 
 

INVESTMENT MANAGEMENT* SERVICES
 
FPC offers customized Investment Management* Services to individuals and institutions. Investment portfolios are developed to match the client’s return and risk requirements, which are determined by the client's completion of a Risk Tolerance Questionnaire, with the guidance of an FPC advisor. Each type of investment portfolio is managed to achieve both short and long-term investment objectives.
 
Investment Management Process:
As your consultant in the Investment Management* Process, we will:
  • Analyze your goals, objectives and existing programs
  • Formulate/update a written investment policy statement
  • Establish appropriate asset allocations/manager style mix
  • Introduce suitable managers and/or investment vehicles
  • Monitor and report on your portfolio's performance
  • Provide ongoing evaluation and due diligence

Investment Research:
FPC performs extensive research as to how to structure investment portfolios. Emphasis is placed on striving to develop portfolios that have historically achieved high returns, but with lower than normal risk. FPC’s sources of academic and institutional research include:
 
  • The University of Chicago*
  • Stanford University*
  • Investment Management Consultants Association*
  • Various Investment Organizations*


*The above companies/institutions are not affiliated with Raymond James

Sources of Current and Historic Worldwide Financial Market and Economic Data include:
 
  • Investment Newsletters, Newspapers, Periodicals, Research Publications and Professional Journals
  • Portfolio Managers

Client Education:
Education is very important to us. FPC is dedicated to educating each client about the different investment portfolio types and how they relate to market volatility, time horizons, and investment returns. It is our goal to ensure that the client understands and agrees with our investment philosophy. Furthermore, we assist each client in selecting a risk tolerance level with which they are comfortable. Ultimately, an investment portfolio is designed to meet the client’s objectives.
 
Performance Evaluation:
Investment management* clients receive quarterly performance reports, which specifically state beginning balance, the ending balance, contributions, withdrawals, realized and unrealized gains, interest, dividends, management fees, total gain after fees and the percentage return during that timeframe. We may also compare these returns to various indexes, depending upon the type of investment strategy. While providing detailed information, these performance reports are easy to read and understand.
 
Selection of Portfolio Managers:
At FPC, portfolio managers are selected first, then the investment vehicle. By constantly researching and identifying both the strong and weak characteristics of portfolio managers and their investment process, we are assured that our clients are receiving high quality management talent. All portfolio managers that we recommend are screened utilizing detailed questionnaires and one-on-one interviews, followed by periodic conference calls (See Investment Management Services).
 
 
 
 
 
FIDUCIARY REVIEWS FOR ERISA, RETIREMENT PLANS AND PUBLIC EMPLOYEE RETIREMENT PLANS
 
A fiduciary review determines whether or not fiduciaries and investment professionals are in compliance with the standards of modern prudent fiduciary investing. A fiduciary review is also valuable in teaching fiduciary standards of care and investment best practices to fiduciaries and investment professionals.

FPC helps plan sponsors implement a documented fiduciary oversight process to reduce liability and ensure compliance with ERISA requirements. FPC acknowledges in writing that it is a fiduciary for investments under the plan. Our process involves a best practices approach to the creation and implementation of an investment policy. Our investment analysis and monitoring process ties ten separate analytics directly to your investment policy so that you can quickly see which funds/managers are compliant and which are not, the reasons for non-compliance and what action is recommended.
At FPC we provide consulting in the following areas:
  • Fiduciary Review and Oversight
    • Fiduciary training for Investment Committees
    • Provide gap analysis of possible fiduciary exposure
    • Review plan design
    • Review plan processes for compliance
    • Establish on-going fiduciary oversight process
    • Monitor and document fiduciary acts for on-going compliance
    • Assist in preparation of annual report to the board
    • Assist with Sarbanes-Oxley compliance as it relates to the retirement plans and investment oversight

 

  • Fee Analysis and Vendor Revenue Review
    • Uncover disclosed and non-disclosed fees and vendor revenue sources
    • Provide vendor profitability analysis specific to your plan
    • Blind searches for real-time insight on your plan
    • Determine opportunities for reducing fees and/or investment expense
    • Negotiate with vendor on your behalf or provide you with a proven approach for negotiating with your vendor for a more reasonable fee

 

  • Investment Manager, Vendor Search and Transition
    • Develop RFP and review RFP responses
    • Manage and oversee process
    • Screen thousands of investment managers and funds using institutional analytical tools
    • Screen all 401(k), 403(b) and defined benefit vendors utilizing proprietary database
    • Oversee conversion and implementation
    • Insight from hundreds of searches

 

  • Investment Analysis and Monitoring and Investment Manager Search
    • Investment policy creation and implementation
    • Asset allocation optimization
    • Performance analysis and monitoring
      • Versus peers and benchmark
      • Performance attribution
      • Returns and holdings based analysis
    • Risk management
      • Risk-adjusted performance
      • Style drift
      • Manager changes

 

  • Operational Review Audit
    • Review of vendor processes and controls
    • Review to test whether plan is being administered according to plan document
    • Benchmark service standards to industry
 
 

EDUCATIONAL SERVICES
 
FPC provides a number of different financial education workshops that vary in length and content. Most can be tailored to the group being addressed. FPC also offers Financial Planning Newsletters that are available on a quarterly basis. E-mail newsletters for financial planning as well as investing are available monthly. The workshops available are as follows:
Basic Investing:
This workshop provides a historical overview of the investment markets, completion of a risk tolerance questionnaire by each individual, and instruction as to how each individual can build an investment portfolio that works towards their financial goals. FPC does not provide specific investment advice to individuals under this service.
 
Financial Planning:
FPC’s financial planning workshop covers most, if not all, of an individual’s financial planning needs. The subject areas covered are as follows:
 
  • Basic finance issues – saving, emergency reserve funds, debt management
  • Insurance – homeowners, automobile, personal umbrella liability, disability, medical, health, long-term care, life insurance
  • Education funding
  • Retirement planning
  • Estate planning
  • Investing
 
Retirement Planning:
This workshop is designed for those individuals who desire to plan for retirement. The workshop addresses the client’s need to manage funds for retirement, the tax laws associated with saving for retirement, how much they need, the potential sources of retirement income, the expenses they will incur, the taxation of retirement benefits when they are distributed from retirement plans, pre-59½ and post-70½ distribution penalty taxes and how to avoid them. Additionally, the workshop covers the need for insurance, such as long-term care and Medicare supplement policies during retirement. Finally, the workshop addresses investing issues during retirement.
 
Retirement Plan Investment Education:
This workshop is designed to educate and help people understand how to maximize their 401(k) and other financial investments. Our goal is to provide the knowledge and tools needed to make informed financial decisions. Because FPC is an independent provider of 401(k) advice and has no obligation to mutual fund companies, insurance companies or banks, we are a great source of objective information. This comprehensive workshop is suitable for all Retirement Plan participants. It details the components of their 401(k) plan - the investment options, contribution limits and loan features. Then it addresses diversification and proper asset allocation. This workshop also may address Traditional and Roth IRA issues.
 
Retirement Plan Distribution Planning:
This workshop is designed for individuals who are retired or are within ten years of retirement. It discusses the rules for distributions from IRAs, Roth IRAs and other retirement plans. The workshop reviews income taxation, penalties, and how to avoid them. A comprehensive discussion of IRA rollovers, IRA transfers, Roth IRA conversions, in-service distributions, and plan borrowing laws will also be presented. The workshop will cover beneficiary issues as how to minimize income taxation to heirs and how to set up heirs for their own retirements.
 
 
 

SEMINARS & SPEAKING ENGAGEMENTS
 
Custom Corporate/HR Services:
Today, many employees do not fully understand their retirement plan and other benefits offered by their employers. While employers are spending a lot of money on administrative expenses, contributions, etc., they are not receiving the full benefit in terms of employee loyalty that they should.
 
Moreover, in today's litigious society, by educating your employees about their retirement and other benefits you can minimize your fiduciary liability by complying with ERISA rule 404 (c).
 
We can work with you to help meet the ERISA requirements for reducing fiduciary liability by assisting with the development and updating of investment policy statements, reviewing investment managers and investment choices and assisting in retirement plan design and implementation. All programs and services are customized to your specific needs.
 
We can work with all types and sizes of organizations ranging from just a few employees locally to thousands of employees worldwide. Our presentations will open your employees' eyes to important issues in the workplace and at home, and will motivate and challenge employees to reach goals they've never achieved before and help them feel good about themselves and their company.
 
Financial Planning Consultants, Inc. can design a program for your employees to review your current 401(k) plan and other benefits offered by your company either as a single presentation or as part of an ongoing educational program. We can also work with pre-retirees to discuss their retirement options and help them with their retirement planning.
 
This can be arranged on a group basis, or on a one-on-one consultative basis. We are not selling any products or services, but merely educating your employees about the plan you have in place and what their options are. Individualized retirement savings needs and retirement cash-flow analysis can also be provided.

 
 
Click here to view our workshops
 
Services that we have provided include, but are not limited to:
 
Seminars and Workshops:
  • What benefits is your company providing and what do they do for you (one-time seminar)
  • Understanding your 401(k) plan and the investments offered (given both on a one-time basis and on an ongoing basis)
  • Seminar on understanding retirement savings needs plus individual consultations and written retirement savings needs analysis for all participants
  • What are your rollover options and how much will you need to live in retirement - a review of pension, 401(k) and social security
  • Pre-age 59 1/2 IRA distributions
  • Health and disability insurance - what is the company doing for you
  • Deferred compensation and split dollar arrangements for key executives
 
Services:
  • Design and write investment policy statements
  • Provide individualized retirement plan consulting with current employees and executives including retirement cash-flow, savings needs and asset protection analysis
  • Annual review of existing retirement plan and investment performance
  • Selection and monitoring of investment plan managers
  • Retirement plan design and implementation
  • Assist in establishing 401(k), SIMPLEs, SEPs, Profit Sharing and other qualified plans
  • Design and implementation of non-qualified plans and deferred compensation
  • Review of buy-sell agreement funding and insurance (disability & life)
  • Design group life, health, long-term care and disability programs
 
There is no cost or obligation to meet and discuss what your needs are and how we may be able to help you and your company.
 
Private Seminars - Speakers Bureau:
Mark Dahlenburg, Registered Principal, is personally available to speak on many of today's economic, financial and savings topics. We also have access to some of the most innovative, engaging and recognized speakers in order to provide the perfect speaker for your group, club or function with a presentation customized for your needs.
 
Our speakers will entertain, educate, and relate to your group. There is no cost or obligation to contact Mark Dahlenburg for more information on how we can help provide a speaker and to discuss what your group's specific interests and goals are. We commit our professional service and support to producing more inspiring, educational and entertaining events - with less time and effort for you.
 
We can also arrange accredited continuing education seminars for many groups and organizations including - Insurance CE credit, CFP® credit, CLE credits and CPE credit for CPA®'s with advance notice.
 
Some examples of topics we have presented include, but are not limited to:
 

Estate Planning

  • Basics of Estate Planning
  • Estate Planning - Wills, Trusts, and Probate - What Does It All Mean
  • The 10 Most Common Estate Planning Pitfalls
  • Creating A Best of Class Estate Plan and The 5 Reasons Why Most Existing Plans Do Not Work
  • Saving For Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts

Personal Investing

  • Women and Investing
  • Stock Market Update
  • Investment Policy: Considerations in Setting Objectives to Risk Controls
  • Evaluating Retirement Accumulation Needs
  • Saving for Your College Education - Section 529 Plans and Beyond
  • How To Design Investment Policy Statements (IPS)
  • Asset Allocation Strategies for the Long Haul
  • How to Make Your Retirement Income Last as Long as You Do
  • Points to Keep in Mind when Selecting Your Asset Allocation Strategy
  • What Issues to Consider When Deciding How to Invest Your Money
  • Successful Long-Term Investment Strategies
  • What Does It Take to Succeed in the Financial Markets
  • Preparing to Invest Wisely

Wealth Management

  • Wealth Transfers and Asset Protection Strategies
  • Protecting Assets From Long Term Care Costs
  • Creative Wealth Strategies - Doing Well While Doing Good
  • Charitable Trusts and Charitable Giving
  • Saving for Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts
  • Wealth Building through Investment & Tax Planning Strategies
  • Six Critical Steps to Managing Wealth

Retirement Planning

  • Retirement Planning 101
  • Retirement Plans for Small Businesses
  • Developing An All Weather Portfolio for Your Retirement Funds
  • Evaluating Retirement Accumulation Needs
  • Building A Foundation for A Successful Retirement
  • Retirement Income: Perception vs. Reality
  • How to Make Your Retirement Income Last as Long as You Do
  • Calculating the Cost of Retirement and Estimating Your Retirement Income Need
  • What to Do if You Retire Early
  • Which Retirement Plan Distribution Method will Best Match Your Retirement Income Needs
  • Who Should Be the Beneficiary of Your Retirement and IRA Plans - Understanding the Required Minimum Distribution Rules

Small Business Owner

  • Business Continuation Planning: The Buy/Sell Agreement
  • Choosing a Business Entity
  • Retirement Plans for Small Businesses
  • Review of Important Business and Estate Planning Concepts
  • Why is a Business Valuation Important

Financial Planning Topics

  • Developing An All Weather Portfolio for Your Retirement Funds
  • Saving for Your College Education - Section 529 Plans and Beyond
  • It's Now Time To Think About Income Tax Savings Strategies - 10 Strategies to Reduce Income Taxes
  • Your Unbiased Guide to Life Insurance
  • The Seven Circles of Financial Planning
  • The Impact Inflation has on Your Income
  • IRAs/Roth IRAs/IRA-Rollover Accounts
  • How To Pick A Financial Advisor
 
We match the needs of your program with the special capabilities of our professional speakers by searching through our networks, locally, nationally and worldwide.
 

Corporate education programs can be customized to meet your specific goals and budget. In addition, this will allow your human resources people to concentrate on their day-to-day activities doing what they do best. If you do not have a dedicated human resources department, we can serve in that capacity for you.