Services Offered Financial Independence Preparation of a retirement cash flow model, to determine the ideal age to comfortably retire, take Social Security and receive pension paymentsOptimized tax efficient distribution of portfolio income, based on a sustainable withdrawal rateAnalysis of the impact of education funding on financial independencePrepare for health insurance cost and long-term illness risk management Income Tax Planning Strategies Identify strategies to reduce personal and business income tax liabilitiesProactively coordinate with tax preparerImplement capital gains tax management / tax loss harvestingPrepare annual portfolio income estimates Estate Planning Strategies Review current estate plan to ensure consistency with family needs and distribution intent.Explore methods of estate conservation and distribution through gift and estate tax reduction strategiesWork in conjunction with client’s estate planning attorneyCoordinate titling and beneficiary designations Equity Compensation Advise on cash and equity compensation, tax deferral and executive incentive programsProvide actionable incentive and non-qualified stock options exercise strategies and implementationCoordinate equity compensation strategies with income tax and financial planningProvide risk management strategies for concentrated single stock positions (10b5-1 plans, collars and monetization strategies) Business Succession Help to identify potential successor ownersAnalyze issues surrounding next generation managementResolve when and how and what value to transfer businessSeek to minimize tax implications of succession transactions Risk Management Audit existing insurance contracts (life, disability & long-term care)Furnish insurance gap analysis (life, disability and long-term care)Implement non-insurance risk reduction strategies Client Portfolio & Asset Allocation Monitor global macroeconomic conditions and adjust portfolios to seek maximum risk adjusted returnsEvaluate current investments and recommend tactical asset allocation* to achieve financial goals. Establish, implement, monitor and ensure coordination of personalized investment planProvide individualized tax efficient portfolio managementTimely individualized portfolio reviews Employer Sponsored Retirement Analyze present retirement plans including company sponsored profit sharing, 401(k), pension plans, and deferred compensationIdentify additional retirement planning opportunities where appropriateAssist small business owners with the design and implementation of retirement plans to maximize income tax deferral *Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.Wealth Advocate Group and LPL Financial do not provide legal and/or tax advice or services. Please consult your legal and/or tax advisor regarding your specific situation. No strategy assures success or protects against loss.