Our Services

Six Areas of Financial Planning 
 

We offer financial planning services, which may include analysis and recommendations in the following areas, as appropriate to your specific needs.
  • Financial Position
    · Cash reserve levels
    · Cash reserve strategies
    · Debt management
    · Cash flow management
    · Net worth
    · Discretionary income
    · Expected large inflow/outflow 
     
  • Protection Planning
    · Disability Income Insurance
    · Long-term care
    · Life insurance
    · Medical/Health
    · Property & casualty
    · Deductibles vs cash reserves
    · Beneficiary designations
    · Special needs situations
    · Alternate/add’l coverage strategies


 

  • Investment Planning
    · Asset allocation
    · Education planning
    · Lump-sum accumulation
    · Options/restricted stock/nonqualified deferred compensation
    · Risk tolerance
    · Tax implications
    · Timeframes
    · Diversification strategies
    · Dollar-cost averaging


 

  • Tax Planning*
    · Tax reduction
    · Tax deferral
    · Tax avoidance
    · Future taxes due
    · Withholding
    · Tax diversification
    · Qualified investments
    · Non-qualified investments
    · Effects of liquidation
    · Filing status
    · Business ownership
    · Nontraditional ownership 
     
  • Retirement Planning
    · Minimum distributions
    · Pre-59 ½ strategies
    · 401Ks
    · IRAs
    · Medicare/ Medigap
    · Social security
    · Roth conversions
    · Health care
    · Tax transitions
    · Risk tolerance transition 
     
  • Estate Planning*
    · Estate balancing
    · Capital transfer
    · Asset ownership
    · Trust funding
    · IRD
    · Succession planning
    · Minor children
    · Generation skipping
    · Short-term life expectancies
    · Estate liquidity

 

 

 

*Harold Lowe does not provide tax or legal advice.  Seek the guidance of your professional tax and/or legal advisor before making any decisions.