RFG Wealth Advisory Blueprint Process
9 Pivotal Topics to Your Financial Success
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This is an interactive presentation of the RFG Blueprint Process highlighting the 10 pivotal topics along with a 4 minute video
CLICK ON AN ICON TO REVEAL MORE Financial Blueprint Our Financial Blueprint encompasses 9 pivotal sections to help organize, plan, and track YOUR progress toward achieving the financial life you dream of. 1. Investment Planning 2. Cash Flow and Budget 3. Retirement Planning 4. Risk Management and Insurance 5. Planned Giving 6. Tax Planning 7. Estate Planning 8. Business Planning 9. Goals and Bucket Lists 10. S.W.O.T. Analysis
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CLICK ON AN ICON TO REVEAL MORE 01. Investment Planning This includes a thorough evaluation of • Balance Sheet your current investment accounts such as • Asset Allocation your 401K, IRA’s, after-tax accounts and • Portfolio Review any other investments you have. We • Risk Tolerance evaluate their suitability, their risk, their • Stock Concentration performance, and explain all fees you are • Investment Fees being charged. We also discuss any other • Tax-Efficient Investing investments such as real estate, so we • Pre-tax vs Post-tax Investment can advise you on the whole picture. • Investment Recommendations
CLICK ON AN ICON TO REVEAL MORE 02. Cash Flow & Budget We analyze your income sources, spending • Sources of Income patterns and savings strategies. We discover • Sources/Terms of Debt how you are utilizing your retirement plans, • Monthly/Annual Expenses are you saving pre-tax or after tax and we also • Savings/Investment Plan look for ways to save outside of retirement • Cash Levels plans. We also look at any debt you might • Planning for Large, One-Time Expenses have and discuss how to become debt-free in • Identifying Potential Future Windfalls retirement. • Mortgage Review and Planning • Cashflow and Budgeting Recommendations
CLICK ON AN ICON TCLICK ON AN ICON TO REVEAL MOREO REVEAL MORE 03. Retirement Goals and Social Security We want to understand what your ideal retirement looks like. We create a plan for you to be able to retire completely at • Desired Retirement Date(s) a certain age or perhaps slow down your • Annual Income Needed for Retirement work pace or change careers. • Social Security and Medicare We create a plan to generate enough • Sources of Retirement Income income to finance the retirement you dream of. We calculate if you are on • Expenses in Retirement track financially to make this a reality and • Required Minimum Distributions (RMD’s) if not what needs to be changed. We will • Taxable vs Tax-Free Income build a strategy that includes when to • Roth Conversion begin social security, plus decide if Roth • Retirement Planning Recommendations Conversions make sense either now or at some point in the future.
CLICK ON AN ICON TO REVEAL MORE 04. Risk Management & Insurance We conduct a comprehensive review of all your insurance coverages and needs including home and auto and umbrella policies, to make sure you are properly • Life Insurance Review covered. We also review life insurance • Review Long-Term Disability Insurance policies and audit those if needed. • Review Health Insurance Perhaps you are underinsured, or the type • Review Home Owner’s /Renter’s of policy you own is no longer appropriate Insurance for you. We also discuss your other • Liability Coverage (Property & Casualty) insurance coverages such as health and • Auto Insurance disability insurance and create a plan for • Umbrella Insurance health insurance if you decide to retire • Risk Management Recommendations earlier than 65 before you are Medicare eligible.
CLICK ON AN ICON TO REVEAL MORE 05. Planned Giving Incorporating planned giving as a strategic component of your financial plan offers numerous advantages. It allows you to align your philanthropic goals with your financial objectives, ensuring that your legacy reflects your • Gifting and Tax Strategies values and priorities. Planned giving • Financial Gifting (Cash and/or Assets) can optimize tax benefits, potentially • Education: How to fund? reducing tax liability while supporting • Roth IRA’s for Children the causes you care about. You not • Qualified Charitable Distributions (QCD’s) only create a meaningful impact on • Caring for Elderly charitable organizations but also leave • Planned Giving Recommendations a lasting legacy that resonates with your personal values and beliefs. It's a powerful way to make a difference.
CLICK ON AN ICON TO REVEAL MORE 06. Tax Planning We provide an assessment of your tax situation and assist you in selecting a tax advisor if needed. We explore future tax strategies • Review and Analyze Tax Return such as Roth Conversions and • Review Cost Basis on Assets Qualified Charitable Distributions • Review Realized Gains and discuss how to avoid IRMAA • Tax Loss Harvesting additional premiums on your • Strategies for Carry Forward Losses Medicare insurance. We want to • Collaboration with Tax Professional know if you are taking the standard deduction or itemizing on your tax • IRMAA Review return as well as if you have any tax • Roth Conversation loss carry forwards or any large tax • Itemization Strategies liability coming due.
CLICK ON AN ICON TO REVEAL MORE 07. Estate Planning We review your current estate plan. Perhaps it is out of date or changes need to be made, we can facilitate the process. Perhaps there are • Create a Legacy Statement special needs or complex family • In-Depth Beneficiary Review dynamics that need to be planned • Review Account Registrations for. Estate Planning can be a • Discuss Wills, Living Trust, Other Trusts complicated process and we are • Powers of Attorney (Durable and Medical) here to work along side you and a • Guardianship (Personal, Parents, Children) qualified estate attorney to design or update a plan that will provide • Estate Taxes and Tax Implications of Inherited Assets for you now and your heirs in the • Collaboration with Estate Planning Professionals future. • Estate Planning Recommendations
CLICK ON AN ICON TO REVEAL MORE 09. Business Planning For business owners, we navigate through crucial considerations such as entity structure, succession planning, retirement planning and buy/sell agreements. We want • Review Business Structure to create a profit first mentality to • Review Valuation of the Company make sure you don’t just reinvest • Current Cost Basis all your profit back into the business but save money outside • Income Sources for Owner(s) the business as well. • Buy/Sale Agreements • Insurance (Health, Key Man, Property, etc.) • Employer Sponsored Retirement Plans/Deferred Compensation • Collaboration with Estate Planning Professionals • Estate Planning Recommendations
CLICK ON AN ICON TO REVEAL MORE 09. Goals & Bucket List What are your Financial Goals? Let’s set goals and work towards meeting them. Do you have a Bucket List? Let’s create the wealth to accomplish your goals and see your Bucket List items fulfilled.
CLICK ON AN ICON TO REVEAL MORE 08. SWOT Analysis Here we discuss your financial Strengths, Weaknesses, Opportunities and Threats. And, what actions need to be taken • Strengths and when? • Weaknesses • Opportunities • Threats
