Services and Costs

COMPREHENSIVE FINANCIAL PLANNING

Our financial planing process will help address the following questions and concerns:

• Retirement Analysis: Do I have enough savings now or am I on track to retire at my desired time?

• Cash Flow in Retirement - Where will my living expenses come from?

• Net Worth Analysis: Should I pay off my mortgage? Do I have too much debt? Should I pay down debts with my savings?

• Asset Allocation: How much should I have in the stock Market? In a safe investment?

• Investment Advice: Independent investment counseling. Professional money managers available at low minimums.

• Tax Planning: How do I rollover my PS/SIP or 401(k) and avoid the 20% tax? Should I convert to the new Roth "tax free" IRA? How can I avoid unnecessary taxes?

• Insurance Analysis: Do I have a need for or do I have adequate health, life, liability and long term care insurance?

• Pension Options: Which option is best for me?

• Estate Planning: Do I need a living trust? How can I avoid probate and inheritance taxes?

ADDITIONAL SERVICES

• Assistance in filling out pension, profit sharing, 401(k) paperwork and rollover of employer funds to IRA.

• Quarterly to annual statements with personal reviews.

• Quarterly newsletter written and published by Retirement Planners, Inc. Newsletter includes discussion about new tax law changes, the direction of the stock market, and other items that may affect a retiree or pre-retiree.

COSTS

• Fees: No charge for the first meeting. After the first meeting, fees can range from $250 to $1000 depending on the complexity of the financial plan. Check with your employer to see if fee may be reimbursed.