Level Three

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

You are established in your career or approaching retirement.

You have a benefits package with your employer that should be evaluated in regards to your:

1. 401(k) , Roth, or Pension 2. Life Insurance 3. Disability Insurance 4. Long Term Care Insurance

You have already accumulated a moderate level of investments.

You have additional personal insurance policies that need to be evaluated.

You want to build a framework for making 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