Investment Planning
- Assessment of current investment plan and overall asset allocation
- Risk tolerance and analysis of investments plans
- The Conservative Wealth Investment process
- Managing income needs from your portfolio
- Managing taxes inside your portfolio
- Brokerage Accounts
- Assessing compensatory stock options (Incentive, non-qualified, restricted)
Retirement Planning
- Roth IRA, Traditional IRA, Rollover IRA, SEP IRA, 401(K)
- Planning for full, early or partial retirement
- Financial plan
- Social security planning
Educational Planning
- 529 Plan
- Coverdell Education Savings Account
- UGMA/UTMA
Insurance
- Life
- Health / Medicare
- Disability / SSI
- Long-Term Care
Tax Planning*
- Assessment of current tax issues
- Planning for lowering, deferring and / or eliminating taxes
- Estate tax
- Addressing Gift Tax
- Communication of Tax issues with your CPA / Accountant
- 1031 Exchange
*“Cambridge does not offer tax advice”
Legacy Planning
- Surviving spouse / Children service
- Assessing the titling of assets
- Re-registration of assets
- Communication of necessary actions with Attorney
- Family planning meeting
Charitable Gifting
- Charitable plans to avoid taxable events
- Charitable plans to establish a family legacy of gifting
- Charitable plans at death
Liability issues
- Assessment, decision making and management of liability issues (Long-Term debt, Short-Term debt, Bad debt)
- Planning for decreasing the amount of time of your debt
- Planning for improving your credit score
- Budget planning