Gotham Financial Services Customized Financial “Road Map” produced to help establish and guide you to your retirement goals. Face-to-face meeting each year Access to our retirement specialists throughout the year. Construction of your Personal Retirement Advisor Site Consolidation of all your assets on one screen. All securities updated daily. Retirement Income and Cash Flow projections “What if” scenarios (e.g. effects of earlier retirement, a major purchase, downsizing of home, etc.). Spend down strategies to identify efficient deployment of assets. Pension income and how to maximize this distribution. Social Security and understanding when to start receiving distribution. Portfolio Strategies Retirement Accounts: review of traditional IRA’s, 401(k)’s, SEP’s, 403(b)’s, annuities, deferred compensation and other retirement plan vehicles. Asset Allocation recommendations across your entire investment portfolio. Asset Allocation alerts triggered if market values push your allocation outside agreed upon range. Specific 401(k) recommendations and a review across all taxable vs. qualified accounts for tax-efficient strategies. Alerts on required minimum distributions on retirement assets. Insurance Review existing life insurance coverage and analyze need. ‘In-Force’ analysis on existing policies to determine their ongoing performance. Long Term Care Insurance analysis for the client and/or parents. Due diligence/monitoring of insurance companies’ financial strength. Medical Insurance Coverage and navigating all of the options that are available. Medicare, Medicaid, Prescription Plan D – An understanding of the rules and strategies. Other Beneficiary Designations for your retirement plans to provide heirs tax deferral options. Credit Monitoring Services – Review your credit report for any surprises and a comparison of the various monitoring/protection services available. Maximizing your annual gift exclusion.