FINANCIAL PLAN

A review of your financial situation will include some or all of the following. The individual contract will specify the areas to be covered. A review with a CPA, estate planner, pension consultant, corporate personnel or attorney may also be required. Errold Moody does not ordinarily review group policies or casualty insurance and may restrict the overview of the plan as dictated by contract.

CLIENT PROFILE AND CASH MANAGEMENT

Description of Goals

Current Balance Sheet/Net Worth Statement

Income Statement

Risk Acceptance

Budget

Liquidity Analysis

INSURANCE

Life and Second to Die Coverage

Disability Insurance

Long Term Care and MediGap Insurance

Fee review of applicable policies

INCOME TAX ANALYSIS

Tax Reduction Opportunities

Tax Sheltered and Tax Deferred Options

ESTATE PLANNING

Estate Costs and Tax Reduction

Liquidity Needs

Revocable and Irrevocable Trusts

Charitable Gifting and Remainder Trusts

Durable Powers

CAPITAL ACCUMULATION AND INVESTMENTS

Income and Growth Analysis

Diversification Analysis

Educational Funding

Risk analysis

Asset Allocation

RETIREMENT PLANNING

Social Security

Medicare, Medicaid Planning

Long Term Care

Income Budgeting

REAL ESTATE

Comparative Investment Analysis

Installment Sales

Tax Deferred Exchanges

All reviews specifically indicate the issues to be reviewed, terms and fees and are provided under separate contract.