Our Services

Plan your

Financial Planning, for individuals and families

Because we believe advice is more important than products, we charge a flat fee for our comprehensive financial planning process designed to add massive efficiency and value to help you achieve your goals, faster.

​ Financial Position

  • Personal Net Worth tracking
  • Debt Reduction planning
  • Large Purchase consulting
  • Cash Flow and Net Worth projections
  • Loan and banking consulting
  • Real Estate & Other Outside Investment Analysis

Estate Planning

  • Organize documents to one centralized location
  • Beneficiary Review
  • Account & Asset Titling​

 

Tax Planning

  • 1040 review & analysis
  • *Proactive Tax Planning Strategies
  • Account & Asset Titling

Insurance & Risk Management

  • ​Term Life Insurance and Permanent Life Insurance
  • Loan & Mortgage coverage
  • Income replacement
  • End of Life expense
  • Philanthropy

Disability Income Insurance

  • Income protection against long term disability

Invest wisely to grow your money

One crucial step to investing is in proper setup of the account to avoid serious tax and estate consequences. Our clients are confident in their ability to grow their investments knowing it is done correctly from the start. We sought to partner with some of the best asset managers in the industry to provide the best client experience and flexibility to match our planning process.
Retirement Accounts
  • Traditional and Roth IRA
  • 401(k) Rollover
  • SIMPLE IRA
  • SEP IRA
Education Savings Accounts
  • 529 Plans
  • UGMA/UTMA
Other Accounts
  • Trust Accounts
  • Excess Cash/Savings
  • Large Purchase Planning
  • Business Liquidity
  • Securities Backed Lines of Credit
  • Foundations/Endowments
* Neither our company nor any of its employees or agents are authorized to give legal or tax advice. Consult your own personal attorney, legal, or tax counsel for advice on specific legal and tax matters.

Financial Planning Process

1st Quarter
Financial Position & Estate Planning
 
Goals & Objectives
  • Discuss new year goals and objectives
  • Reflect on previous years’ accomplishments (if applicable)
  • Update personal/contact information

Financial Position
  • Review consolidated statement of accounts

  • Update Personal Financial Statement

  • Discuss any material life/financial changes

  • Reinforce negative effects of high consumer debt interest rates
  • Emphasize the importance of a fully-funded emergency fund
Estate Planning
  • Update estate estimator
  • Review necessary documents: Wills, Trusts, Power of Attorney, and Healthcare, Directives
  • Discuss potential changes to an estate plan
  • Discuss special needs planning if applicable
  • Review all beneficiary designations
Tax Planning
  • Schedule meeting/call with CPA/bookkeeper if necessary
  • Complete prior-year retirement contributions
  • Review capital gains reporting summary
2nd Quarter
Investment Planning
 
Tax Planning/Review
  • Highlight changes to tax law 
  • Review tax return
  • Plans for refund or needed changes to W4 withholding
Investments Planning
  • Discuss current market conditions and projections
  • Review investment accounts performance
  • Discuss asset allocation and asset location strategies
  • Review accounts held outside of JHPWM
  • Complete new Risk Tolerance Questionnaire
  • Review contribution strategy with projections
  • Recommend adjustments based on changes to risk and time horizon
College Planning
  • Discuss savings goals and objectives
  • Discuss the current contribution amount
Employer Sponsored Plans
  • Discuss 401(k) allocation, contribution percentage, and performance
  • Review benefits of Roth 401(k) option
  • Recommend adjustments to 401(k)
Childrens Savings
  • Discuss savings goals and objectives
  • Discuss the current contribution amount
  • Review minor account types and strategies
3rd Quarter
Protection Planning
 
Employee Benefits
  • Review employee benefits offering
  • Review stock options, RSUs, and vesting schedules
  • Discuss deferred compensation and profit-sharing
  • Discuss health insurance options
  • HSA vs FSA
  • Review any supplemental insurance through employer
Life / DI / LTC Insurance
  • Review purpose of Life/Disability Insurance/Long-Term Care insurance
  • Review all insurance policies summary
  • Discuss changes in coverage need
Accident & Critical Illness Insurance
  • Discuss need for any accident or critical illness policies
  • Review any accident policies
  • Review Heart, Stroke, or Hospital stays policies
Home / Auto Insurance
  • Review home/auto and umbrella policies 
4th Quarter
Tax Planning
 
Tax Planning
  • Highlight any tax law changes or eligible credits
  • Discuss any major tax transactions and timing of those transactions
  • Consider harvesting capital losses and/or gains in non-qualified accounts
  • Review tax projections
  • Gifting Strategies
    • Finalize charitable gifting amount and strategies
Investment Planning
  • Review investment account performance
  • Retirement Contributions
    • Confirm total retirement account contributions
  • Consider back-door Roth contributions or Roth conversions
  • Gifting Strategies
    • Finalize charitable gifting amount and strategies
    • Discuss child investment accounts or strategies
  • Consider harvesting capital losses and gains in non-qualified models
  • Retirement Distributions/Conversions
    • Discuss overall strategy and timing
      • “Filling up your tax brackets”
      • Widows Tax
      • Medicare Premium Cliff Bracket
      • Consider taking more out to reduce tax impact later
      • Consider selling highly appreciated stock in low-income years
    • Discuss Roth Conversions
    • Consider QCDs (Qualified Charitable Distributions) for RMDs
    • Consider moving RMD to a non-qualified account
  • HSA Contributions
  • Discuss child investment accounts or strategies

Maximizing Value & Minimizing Stress for you & your employees

Navigate the complexities of 401(k) and employee benefits with ease, thanks to our comprehensive suite of services. You can benefit from tailored 401(k) planning and fiduciary oversight to efficient Third Party Accounting & record keeping and strategic benefit analysis. Be sure your company’s benefits package not only attracts top talent but also fosters long-term loyalty and satisfaction. 
 

Plan Design & Strategy

  • Tailoring 401(k) plan designs to meet employer objectives and employee needs
  • Comprehensive review and optimization of existing employee benefits packages
  • Strategic alignment of benefits with business goals for enhanced employee retention

Fiduciary Oversight

  • Providing 3(38) fiduciary services to manage plan investments with due diligence
  • Ensuring compliance with ERISA standards and regulations
  • Conducting regular plan audits to ensure fiduciary responsibilities are met

TPA & Record Keeping

  • Efficient and accurate record keeping and plan administration
  • Streamlining enrollment, distributions, and loan processes for participants
  • Implementing user-friendly platforms for plan participants and sponsors

Employee Education & Engagement

  • Hosting educational workshops to help employees understand and maximize their benefits
  • Personalized financial wellness programs to support employees’ financial goals
  • Engaging communication strategies to increase plan participation rates

Retirement Readiness

  • Customized retirement planning services to prepare employees for the future
  • Analysis and reporting on plan health and participant retirement readiness
  • Innovative solutions to improve plan outcomes and individual savings rates

Compliance & Reporting

  • Navigating complex regulatory requirements and ensuring plan compliance
  • Preparation and filing of required documents and reports
  • Keeping abreast of legislative changes and advising on necessary plan adjustments

Vendor Management & Benchmarking

  • Managing relationships with plan vendors to ensure high-quality services
  • Benchmarking plan fees and services against industry standards to ensure competitiveness
  • Negotiating with service providers to obtain optimal terms and conditions for the plan

We help you work ON your business, so you can enjoy working IN your business

Your business doesn’t need to be a fortune 500 company to get the benefits of a Chief Financial Officer. We join your team as a “contract CFO” to help find inefficiencies in your business to make it more profitable while sophisticating your processes to promote growth.
 

Financial Position

  • Financial Statement Review
  • Business financial analysis with industry comparison
  • Financial modeling, budgeting, and projections
  • Loan and banking consulting

Management Team

  • Facilitating/participating in team meetings
  • Drafting/Reviewing Mission, Vision, Values
  • Josh’s 7 Steps to Annual Business Planning

Business Protection & Succession

  • Business Continuity Planning
  • *Review Operating Agreement & Buy/Sell Agreement
  • Ownership restructure advising
  • Collaborate with Attorney

Tax Planning

  • 1065/1120 Review & Analysis
  • *Proactive Tax Planning Strategies
  • Collaborate with Accountant/Bookkeeper

Insurance & Risk Management

  • Review commercial insurance coverages
  • Funding business buy/sell agreements
  • Key Man Life Insurance 
  • Philanthropy
* Neither our company nor any of its employees or agents are authorized to give legal or tax advice. Consult your own personal attorney, legal, or tax counsel for advice on specific legal and tax matters.

Intentional Business Planning Process

1.

Initial analysis to find inefficiencies and compare to industry benchmarks.

2.
Cash flow and balance sheet management. Observe for over leverage in debt or need for new debt. Begin monthly KPI dashboard.
3.

Review ownership structure and owner retirement planning. Exit planning, funding buy/sell agreements, COLI, DI vs UI, employee benefits tie-in.

4.

Risk management program review. General liability insurance, business asset insurances, policy premium shopping, Liability limit review trade off.

5.

Tax strategy analysis and implementation.

6.

Draft business financial plan document overviewing the above.

7.

Seven Steps Annual Business Planning at turn of year.

Ready to get started?

We’re ready to help! Submit this form and we will be in touch soon.

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Investment Advisory Services offered through TLG Advisors, Inc. Registered Investment Advisor; 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120. (303) 797-9080. 

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