FINANCIAL  PLANNING SERVICES LISTING

FINANCIAL PLANNING

1.   Data gathering of quantitative and non- quantitative information.

2.   Goal setting, short range, medium range, long range.

3.   Analysis of financial data into viable plan.

4.   Monthly budgeting.

5.   Investment portfolio analysis.

6.   Income tax analysis.

7.   Benefit plans analysis

8.   Maintenance, record keeping, follow-ups.

EXCESS RESERVE MANAGEMENT

  9.      Individual tax-exempt trusts for tax-free income.

10.      Utility securities for partially tax-free income.

11.      Tax-deferred annuities for tax deferred compounding.

12.      Tax-deferred investment annuities for accumulation.

13.      Massachusetts municipal bond trusts for tax-free income

RETIREMENT PLANNING

14.     Individual retirement account (IRA)

15.     Self-employed retirement plan (Keogh)

16.     Tax-sheltered annuity (403-B)

17.     Corporate pension/profit-sharing/401-K.

18.     Simplified employee pension plans.

19.     Deferred compensation for corporate executives, municipal and non-profit organization employees, and      teachers/professors.

20.     Sheltering distributions from qualified retirement plans, either upon termination of the plan or termination of employment.

INVESTMENT PLANNING

21.     Structuring gains and losses correctly.

22.     Custodial accounts and UGMA in light of the current tax laws.

23.     Transfer of high-gain securities to children/grandchildren for sale and reinvestment to reduce tax impact.

24.     Installment sale of high gain-asset or 1031 exchange.

25.     Installment sale of professional practice.

26.     Private annuity.

INCOME TAX PLANNING

27.     Income tax returns prepared.

28.     Income producing real estate LLC

29.     Private gain oriented real estate ventures. (Accredited investors only)

30.     Energy/development, LLP

31.     Equipment leasing, LLP

ESTATE PLANNING

32.     Valuation of estate.

33.     Minimum estate tax computations through financial modeling.

34.     Estate tax returns prepared.

35.     After death continuing management and counseling.

CORPORATE PLANNING

36.      Off shore corporations for tax benefits

37.      Investment of corporate surplus/depreciation funds, for sinking funds or buy out.

38.      Corporate Investment plans, for accumulation /  growth of corporate assets.

39.      Owner-employee benefits:

        a. Key man protection and compensation.

        b. Section 303 stock redemption agreements and funding.

        c. Buy-sell agreements and funding, both disability and death.

       d. Employment contracts.

40.     Employee Benefits:

        a. Group term life insurance, including Section 79.

        b. Group disability income, salary continuation programs.

        c. Group health, major medical and dental coverage.

       d. Group travel/accident coverage.

        e. Medical/dental expense reimbursement.

41.     Corporate Valuation:

        a. Buy out agreement.

        b. Estate Planning.

        c. Purchase/Sale.

        d. ESOP.

        e. Divorce Settlement.

        f. Avoid Gift Tax Problems.

        g. New Capital Gains Tax Provisions Planning For Close Corporations

Email me: bland@acfs.com 

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