Complete Planning

Our approach is not centered on specific financial products, but on solutions. Financial planning* extends beyond investments and should include any factor that can impact your financial situation. Not every financial services firm takes such a broad view. Although our firm does not necessarily deliver all of these services, we seamlessly integrate them into your financial plan. By considering the impact of your financial decisions across all of these areas, our goal is to remove any unnecessary risk, prevent costly mistakes, and help you efficiently reach your goals.

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Retirement Income Planning

  • Formulate a complete wealth management plan that strives to address all of your retirement planning needs

  • Coordinate all of your current and future income, including social security and pension benefits, with the goal of building a sustainable and predictable retirement plan

  • Structure your investments appropriately according to a well-defined accumulation or distribution strategy


Tax Planning**

  • Determine which of your accounts should hold the investment types dictated by your investment plan in an effort to minimize your taxes

  • Discuss strategies involving tax-deferral and Roth IRAs that are designed to reduce your long-term tax burden

  • Assess your capital gains and investment income with the goal of minimizing their tax impact


Investment Planning*

  • Tailor a portion of your investments to any short-term reserve needs and planned expense requirements

  • Ensure your overall investment allocation matches your risk tolerance and return goals

  • Customize your portfolio based on your total portfolio of assets and any unique needs or considerations


Insurance Planning

  • Understand your healthcare with the goal of maximizing your benefits

  • Review any potential or professional liabilities to ensure appropriate coverage is in place

  • Determine your long-term care needs and help you implement a plan based on your priorities and resources


Legacy & Estate Planning**

  • Ensure your wills and trusts are current and consistent with your intentions

  • Review your asset ownership and beneficiary information to identify any methods to increase the after-tax value transferred to your heirs

  • Assess your life insurance needs and discuss any strategies to help achieve your legacy planning goals

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AIM Planning Process

A consistent planning process serves as the foundation for successful financial plans.* This helps you properly evaluate financial decisions and ensure all of the necessary components are considered. The planning process is designed to understand your unique financial situation, while offering flexibility to adapt the financial plan as your circumstances evolve. Our AIM Planning Process directs this approach and includes three distinct steps.

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** Planners Alliance does not provide tax or legal advice. Please consult with your tax or legal professional prior to making decisions relative to these topics.