Level Four

You have some of the the characteristics of a Level Three, but to a more complex degree.

You have multiple investment portfolios such as IRAs, individual accounts, etc.

You could benefit from financial advice on one or more employee sponsored 401(k) plans.

You are a business owner, or have a household income higher than $150,000.

You have multiple sources of current or future retirement income such as: Social Security income; IRA/Investment Income; Pension Income; Business Income; Rental Property Income

You have personal insurance policies that need to be reviewed.

You have a deferred compensation plan or other unique pension concerns.

You want to build a framework for future financial decisions.

Your comprehensive financial plan would typically include the following:

• Cash flow management
  
• Debt management
  
• Life, health, long term care, disability, and umbrella insurance review
  
• Investing
  
• Developing an asset allocation plan
  
• Retirement planning
  
• Income tax planning
  
• Estate planning