In today’s competitive marketplace, the ability to recruit, retain, reward and retire employees at all levels is often the critical difference between business success and failure.

Areas to Consider in Financial Planning


Cash Flow Analysis

  • Cash reserve
  • Debt management
  • Net worth
  • Discretionary income
  • Anticipated inflow/outflow
  • Lines of credit


Asset Protection

  • Insurance audits and needs analysis
  • Real property (homes, vacation homes, condos)
  • Personal property (autos, collections, yachts)
  • Personal liability
  • Life insurance-permanent, temporary
  • Disability insurance
  • Long-term care planning
  • Special needs protection
  • Business insurance
  • Health insurance


Investment Planning

  • Stocks, bonds, mutual funds, ETF’s, options
  • Wrap accounts, brokerage accounts, direct accounts
  • Dollar cost averaging
  • Asset allocation
  • Diversification
  • Risk tolerance
  • Education funding
  • Tax considerations


Tax Planning*

  • Tax deferral
  • Tax avoidance
  • Withholding tax
  • Qualified vs. Non-qualified accounts
  • Filing status
  • Business ownership

* Request the guidance of your professional tax and/or legal advisor before making any decisions


Retirement Planning

  • IRA accounts: traditional, ROTH, SEP, SIMPLE, stretch
  • 401k Rollovers
  • Annuity income streams: fixed and variable
  • Healthcare
  • Life stage adjustments
  • Minimum distributions


Estate Planning

  • Asset ownership
  • Trusts, wills
  • Trust funding
  • Succession planning
  • Special needs dependents
  • Estate balancing
  • Gifting
  • Estate liquidity


Business Planning

  • Business valuation and succession planning
  • Recovery planning
  • Buy/sell agreements and funding
  • Key man insurance
  • Group insurance: medical, dental, life, long-term care
  • Retirement programs: 401K, profit sharing, SEP, SIMPLE, defined benefit
  • Executive benefit plans: executive bonus, split dollar, deferred comp
  • Gifting
  • Comprehensive planning
  • Employee benefits

INVEST Financial Corporation (INVEST), member FINRA, SIPC, a registered broker dealer and federally registered investment advisor, is not affiliated with BFA (Booth Financial Associates). INVEST does not provide tax or legal advice. Please consult your tax or legal adviser for guidance on your particular situation. Securities, advisory services and certain insurance products are offered through INVEST and affiliated insurance agencies.
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