Our Services

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

* 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 & Annual Objectives Meeting
Goals and Objectives
  • Discuss new year goals and objectives
  • Reflect on previous years’ accomplishments
Financial Position
  • Review and update consolidated statement and balance sheet
Tax Planning
  • Schedule meeting/call with CPA/bookkeeper
  • Complete prior-year retirement contributions
  • Review capital gains reporting summary
​Evaluate Professional Network Relationships
2nd Quarter
Investment Planning and Asset Management
Financial Position
  • Review current cash flow and balance sheet
  • Reinforce negative effects of high consumer debt interest rates
  • Emphasize the importance of a fully-funded emergency fund
Tax Planning
  • Highlight changes to tax law
  • Review tax return
  • Plans for refund or needed changes to withholding percentage
Investment Planning
  • Discuss current market conditions and projections
  • Review investment accounts performance
  • Discuss asset allocation and asset location strategies
    • Accounts held inside and outside of our firm
  • Discuss clients desired rate of return
  • Complete new RTQ
  • Review contribution strategy
  • Recommend adjustments based on changes to risk and time horizon
College Planning
  • Discuss savings goals and objectives
  • Discuss the current contribution amount
3rd Quarter
Protection Planning
Employee Benefits
  • Review employee benefits offering Discuss 401(k) allocation, contribution percentage, and performance
  • Review benefits of Roth 401(k) option
  • Recommend adjustments to 401(k)
  • Review stock options, RSUs, and vesting schedules
  • Discuss deferred compensation and profit-sharing
  • Discuss medical insurance planning
  • HSA vs FSA
Life/DI/LTC Insurance
  • Review purpose of life/DI/LTC insurance
  • Review all insurance policies summary
  • Discuss changes in coverage need
  • Consider supplemental Life and DI coverage
Home/Auto Insurance
  • Review home/auto and umbrella policies for adequate coverages, limits, and deductibles
Estate Planning
  • Review necessary documents: Living Will, Power of Attorney, Power of Healthcare, and Last Will & Testament
  • Discuss potential changes to an estate plan
  • Discuss special needs planning if applicable
  • Review all beneficiary designations
4th Quarter
Tax Planning
Tax Planning
  • Highlight tax law changes
  • Discuss plans for tax refund
  • Retirement Contributions
    • Confirm total retirement account contributions
    • Consider back-door Roth contributions or Roth conversions
  • HSA Contributions
  • Gifting Strategies
    • Discuss child investment accounts or strategies
    • Finalize charitable gifting amount and 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

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.

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

401(k)s are available now

More information is coming soon. Contact us today to learn more!

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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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