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We provide a full range of financial services to meet client needs. Financial services are divided between core and non-core services.
Core financial services are included for all full service clients. Clients engaged for portfolio management only are provided core and non-core financial services billed hourly or as a paid retainer.
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- Plan for client’s need for cash distributions
- Prepare client projections to manage income tax liability, withholdings and tax savings opportunities
- Analysis of client’s debt financing
- Includes mortgage refinancing, arranging home equity lines of credit, credit card and consumer loans
- Provide cost, time and tax effective methods for the funding of college costs
- Includes 529 college savings plans, Coverdale accounts, uniform gifts to minor, trusts, grants and loans
- Reducing client’s exposure to unexpected losses through the transfer of risk to insurance companies and other third parties
- Includes life, medical, disability, long term care, auto, homeowners, umbrella, business insurance and specialty lines
- Accumulation of retirement assets, reduction in risk, conversion of 401(k) plan accounts to IRAs, Social Security Options, Medical coverage, long term care insurance and the management of distributions during clients lifetime
- Assist clients in understanding, exercising and the sale of employer based stock options, stock grants and awards in consideration of market, tax and cash flow considerations
- May include other employer based plans such as deferred bonus plans, defined benefit plans and other defined compensations plans
- Discuss, review and arrange for the preparation and implementation of estate planning documents
- Includes wills, trusts, advanced health care directives and financial powers of attorney
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©2010 St. John & Associates, Inc. All rights reserved.
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