Financial Planning for Retirement and Other Goals

• How much should I contribute into my retirement plans?
• What is the best means to save for my kid's college?
• How should I be investing my money at this stage of my life?
• Should I be refinancing my mortgage?  For how many years?
• Do I have sufficient insurance in case I get disabled or die?
• I want to look at the "Big Picture" to make sure I'm handling my investments and finances properly.

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Changing Jobs

• I have an old company 401(k) plan.  What can I do with this?
• I have worked for several companies but I'm not sure what or if I have anything at those organizations.
• I am starting a new position.  What benefit options should I select?

Wealth Building for Retirement

• When can I retire?  How much difference does it make to wait?
• How much would downsizing my home help me toward retirement?
• How much should I be putting into my 401(k) plan?  Should I fund a Roth IRA?
• My portfolio has done lousy over the past "x" years.  How can I improve my investment performance?
• What should I be doing to increase my retirement nest egg?

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Inheritance

• My parent or ancestor recently died, and I stand to inherit an IRA and other assets.  How do I handle these?
• I recently inherited a huge block of "____" Common Stock that my ancestor accumulated.  What should I do with this?

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Social Security and Pension Issues

• When should I start my benefits?
• Should I take a monthly pension or the lump sum distribution?
• Which pension option should I select: life only, joint, etc.?
• Should I buy back my years of service?

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Cash Flow Planning Issues

• Once I retire, how do I generate the income I need?
• What are the pros and cons of staying at "XYZ" vs. retiring and consulting?
• What should I do with my retirement plans after I retire?

Maintain Lifestyle

• How do I generate more income?  The yields on my bonds, CDs, etc. are so low...
• How can I avoid running out of money?
• Could I spend an extra $X per year on travel for the early years of my retirement?

Stock Market Volatility

• The market is so volatile.  How can I reduce my risk?

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Long Term Care

• How can I avoid running out of money if my spouse or I need long term care?

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Estate Planning

• My kids are not good with money.  Is there a way I can have it managed for them once I die or am no longer able?
• What is the best way to maximize the impact of the gifts or bequests I make to charity?
• My kids are from my prior marriage.  How can I provide for both?
• How can I maximize what I leave to my heirs?

Start Ups

• How do I optimize my company benefit options in light of my career path?
• How should I be investing my contributions in the company retirement plan?
• How much should I be investing in the stock retirement plan?
• How do I protect my family's lifestyle in the event I become disabled or pass away?

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Mid-Career

• How do I maximize the value of my company's stock options?
• What are the most appropriate investment strategies to provide for both college funding and for my retirement?
• What are the pros and cons of continuing my employment at my current company versus taking a position at another firm?
• What strategies should I employ to provide a safety net for my family in the event I find myself involuntarily out-of-work?

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Pre-Retirement

• How soon can I retire?
• How should I be adjusting the investments in my company retirement plan as I approach retirement?
• How should I handle my stock options and other stock based benefits to best utilize those benefits and minimize the tax bite?
• What are the pros and cons of retiring early and taking a position elsewhere or doing contract work?

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Retirement

• Which benefit option should I select for my pension plan?
• When should I start my benefits?
• How should I be handling my company stock retirement plan so I can have the right mix of investments for my retirement years?
• How do I generate a regular monthly income from this pool of money?
• How should I be handling my health insurance coverage as I transition into retirement?

Financial Planning for Retirement and Other Goals

• In light of the recent pension plan changes, how will my future retirement plans be impacted?
• Which pension benefit option should I be taking?
• Should I be investing in a 403b plan, 457 plan or other Deferred Compensation plan?  If so, how should I be investing my funds?
• Should I elect to take the early retirement buyout offer?

Financial Planning for Retirement and Other Goals

• What type of retirement plan(s) should I be establishing for my business?
• What sorts of risks should I be concerned with and what strategies should I be using to protect myself and my family?
• How much is my business worth?
• What sorts of strategies should I employ to assure the continuity of my business once I’m gone?