• Risk tolerance assessment
  • Risk capacity determination
  • Savings goal identification and action plan
  • Financial impact of caring for aging parents
  • Financial education for children/young adults in transition (college, graduate school, first job, etc)
  • Assessment of support to adult children (home down-payment assistance, education support for grandchildren, etc.)
  • Divorce transition and post-divorce planning
  • Planning for families with special needs
  • Post-loss planning and support including wealth inventory, asset transfer and retitling assistance, coordination with other key advisors (estate planning attorney, trustee, CPA, etc.), cash and income needs analysis, life insurance claim assistance, ongoing tracking and monitoring of estate settlement process and post-settlement action items, etc.
  • Referrals to outside resources for needs including corporate trustee/executor, elder care services, home downsize, collaborate divorce, CPAs, attorneys, immigration specialists, real estate agents, property managers, specialty insurance providers (artwork, watercraft, aircraft, etc.), loss-of-life advocacy services (LOLA), etc.
  • Customized portfolio construction based on a comprehensive financial plan
  • Concentrated stock position analysis including tax and liquidity considerations
  • Ongoing professional oversight including rebalancing and proactive communications
  • Employer plan (401k/403b) asset allocation recommendations and ongoing review
  • Institutional access and pricing
  • Dynamic, tax-aware portfolios
  • Socially responsible investing options
  • Competitive foreign exchange rates
  • Social Security timing
  • Pension maximization analysis
  • Withdrawal sequencing strategy
  • Roth IRA conversions and back-door Roth IRA strategies
  • Longevity risk assessment
  • Health insurance analysis – retiree group plan, COBRA, private policy, Medicare, etc.
  • Identification of goals for legacy, philanthropy, and inheritance
  • Wealth transfer planning
  • Beneficiary designation assistance
  • Coordination with attorneys regarding estate planning documents (Sailer Financial does not render legal advice)
  • Notary services
  • Summarize estate planning directives
  • Identification of new opportunities or required changes in light of changing laws or circumstances
  • After-tax wealth accumulation/decumulation maximization strategies
  • Savings allocation recommendations
  • Philanthropic planning and implementation
  • Tax loss harvesting
  • Creating a Donor Advised Fund and assistance with administration
  • Strategies to maximize the tax benefits of planned gifts
  • Assistance with selection of company benefits during initial and open enrollment
  • Review of employer-provided retirement plans and company match maximization
  • Assessment of equity awards including key provisions, important dates, and tax implications
  • Review of pension plans including supplemental pension plans
  • Pension projection analysis
  • New opportunity assessment
  • Second-opinion service including salary, transition benefits, tax equalization, fringe benefits, etc.
  • Employer benefit comparison analysis
  • Identifying tax considerations including new state of domicile, lump-sum benefit payments and structuring, signing bonuses, equity awards, etc.
  • Cost projections for post-secondary and/or private secondary schooling
  • Recommended savings rates
  • Savings vehicle options and recommendations
  • Tax planning (Sailer Financial does not prepare tax returns)
  • Current coverage analysis including life, disability, long-term care, property and casualty, etc.
  • Identification of coverage gaps
  • Potential insurance needs
  • Implementation of specific insurance solutions
  • Household budget review including fixed and discretionary expenses
  • Current and projected cash flow analysis
  • Income source assessment including salary, bonus, self-employment, investment, etc.
  • Cybersecurity Education

Sailer Financial - Comprehensive Financial Planning