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.
