3-Step Review


The 3-Step Review can help assure you that your retirement income and investment plans are focused on your concerns and desires.

First Step

The first step of our complete look-forward review of your tax return is to determine your current tax situation. We’ll identify things like phantom income, insufficient uses of taxable and tax-deferral strategies, as well as detecting missed opportunities for offsetting gains and losses. This could be as simple as selling a losing stock to offset a capital gain on a mutual fund that you may have missed by waiting until it was too late. Our 3-Step Review can help you improve your strategy to lower or eliminate your taxes.

Second Step

The second step is an income analysis to determine if you are using your income sources suitably and in the most tax-efficient method. We’ll also determine if you have adequate income to meet your future needs and the ever-increasing cost of inflation. This may be different than general economic inflation rates as each person’s rate is different based on how you spend your money.

Third Step

The third step is a risk analysis to make sure your investment risk exposure is one you are comfortable with and is in line with your asset allocation strategies. Research shows that people may make poor decisions, receive lower rates or incur more losses when they have more risk than they are comfortable with. A simple set of questions we use in our 3-Step Review will help assure you of what your risk comfort level is and help you avoid losses you are not prepared to handle or of which you were not aware.

There is no better time to look forward and take control with a 3-Step Review. Find out if you have avoidable tax issues. Are you preparing to sell real estate? Do you need to increase your income stream or lower your risk level? Have you lost a spouse and now have all the financial decisions to make? Are you retiring or rolling over a large sum of money? Are you selling a business? A complete exploration of what you want your money to do for you is a very important  step.

The benefit of our 3-Step Review process is that it can apply to any financial decision or concern you have; it helps you to be more confident that the financial decisions you make are right for you. You will learn what questions to ask before making any financial decision, and identify ways to assure your decisions are in your best interest.

Our 3-Step Review will also help determine what your next steps should be or what other areas need review, such as your estate plan, long-term care issues, charitable planning and more.

Call 877.829.9227 or contact us today to learn how our no obligation, 3-Step Review can help you with your specific concern or situation.

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