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Gotham GPS™ Services

Preparation, Implementation and Monitoring Your Financial Plan

  • Customized Financial Plan produced to help establish and reach your financial goals.
  • Two face-to-face meetings per year and access to our team of specialists throughout the year.
  • Construction of your Personal Wealth Management site.
    • Account aggregation which provides automatic daily updates on your Financial Plan.
    • Vaulting of all personal documents in a secure but accessible location.
  • Situation analysis and financial plan preparation to include recommendations on:

Estate Planning 

  • Design of an appropriate estate plan
  • Review Wills to ensure these meet your wishes and work within current law. 
  • Splitting asset ownership between spouses which potentially reduces estate taxes.
  • Determine appropriateness of a GRAT, Family Partnership or other structures.
  • Charitable gifting strategies: determining what assets to gift and what vehicle to use such as a Donor Advised Fund, Private Foundations and/or Charitable Trust.
  • Generation Skipping and Dynasty Trusts for estate tax savings in future generations.
  • Issues for non-citizens to address, specifically QDOT’s and asset ownership.
  • Real estate and other assets held in LLC’s for liability protection, probate avoidance.
  • Crummey Notices: preparation, execution, vaulting for eventual estate tax audit. 
  • Coordinate with CPA regarding annual GST exemption filings and gift tax filings.

Retirement/Cash Flow Management

  • "What if" scenarios (e.g. effects of earlier retirement, a major purchase, etc.).
  • Review of annual living expense budget and cash flow analysis
  • Net Unrealized Appreciation: how this might be an appropriate strategy to use in your 401(k) or ESOP
  • Establish lines of credit for mortgages in excess of $1,000,000**
  • Monitoring of your bill paying service**

Asset Management

  • Specific 401(k) investment* recommendations and an investment review across all taxable vs. qualified accounts for tax-efficient strategies.
  • Quarterly gain/loss summary sent to your CPA in a convenient document.
  • Stock options* optimization model to determine when is best time to exercise shares.

Insurance

  • Life, Disability Income: Review existing 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.
  • Auto, Homeowners, Umbrella Liability—Review deductibles, identify gaps, video all home contents. **
  • Due diligence/monitoring of insurance companies’ financial strength.
  • Review split dollar; Non-Qualified Deferred Compensation policies.

Gifting and College Education Planning *

  • Using your $1,000,000 lifetime gifting exemption.
  • Help increase your annual gift exclusion.
  • Calculate education funding needs.
  • Comparison of 529 Plans; UGMA/UTMA*; Crummey Trusts; etc.

Business Planning

  • Review of all Group Benefits, including Group Health, Life, LTD, 401(k), Deferred Compensation, Liability, Property & Casualty programs to identify gaps, suggested improvements.**
  • Buy/Sell Agreements to support business continuation plans. 

Other

  • Analysis of employees’ Group Benefit offerings, Deferred Compensation Offerings. **
  • Asset Archives - Valuation of your non-financial assets is a critical component of risk management**
  • 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. **

Alerts and Alarms

  • Year end: Fund Flexible Spending Account at work; fund children’s college accounts and gift your annual exclusions; pay state and local taxes by Dec 31st to get tax deduction; consider tax loss selling to offset gains.
  • Vesting and Expiration Dates of Restricted Stock Units and stock options.
  • Expiration dates for family documents such as passports, drivers’ licenses.
  • Asset Allocation alerts triggered if market values push your allocation outside agreed upon range.

Services available for additional fee through 3rd party providers:

  • Bill Payment Services **
  • Banking Services / Lines of Credit **
  • Mortgage Services **
  • Tax Preparation **

*Securities and advisory services offered through FSC Securities Corporation.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

 



Estate planning is done in conjunction with your estate planning attorney, tax attorney, and/or CPA.

** Offered through 3rd party vendors. Not offered through Gotham Financial or FSC Securities Inc,