Hourly Consulting Program We offer consulting services on an hourly basis to clients through our Hourly Consulting Program. Some of the consulting services we provide are as follows:Tax PlanningIdentifying AMT issuesGeneral discussion of deductions and income recognitionAnswer questions about investment tax issuesDiscuss statement of personal financial positionAnalyze personal cash flow statementDevelop and/or analyze business balance sheet, income statement, cash flow statement, pro forma statementsDiscuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.Tax implications of various stock plans – Restricted, phantom, SARs, ESPPNon-qualified deferred compensation programsIncome taxation of life insurance and annuity productsInvestment cost basis research and reportingThis information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.Investment Planning / Asset AllocationAsset allocation analysisRisk and reward (risk tolerance analysis)Diversification analysisAnalysis and research on individual securitiesAsset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.Retirement PlanningRetirement needs analysisRetirement plans analysis and educationSavings planning to help clients pursue their goalContribution limits planningRetirement plan designEmployer plans vs. self-directed plans analysisAssist in the coordination of retirement plan service providers, product sponsors, or vendors as a liaisonRMD or 72t calculations and analysisBeneficiary designation planningSocial Security and Medicare health care cost planningEstate PlanningGeneral estate planning and gifting strategiesGeneral estate tax planningGeneral trust planning strategiesExplanation of estate planning structures/documents – wills, POA, Trusts, etc.Explanation of types and treatment of trust income - accounting, taxable, distributableSources of estate liquidity planningOwnership titles and titling of assets planningDiscussing impact of account and trust beneficiary designationsLiberty Bell Financial Group and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.Cash Flow/ Budgeting / Debt Payoff PlanningCreation of personal or business budgetProvide guidance and analysis on cash flow management, budgeting, and emergency fund planningExplain various components of cash flow (income, taxes, expenses)Savings strategiesDebt management strategiesPersonal financing strategiesAnalysis of personal statement of financial position and statement of cash flowsBusiness PlanningCash flow analysisRetirement planningSuccession planningCash managementEmployee benefits planningFinancing strategiesBusiness use of insurance analysisIntra-family and other business transfer techniquesEducation PlanningDiscussion of qualified tuition/college saving plansCollege costs and inflation analysisIndividual needs analysisDevelopment of funding strategiesProvide direction on ownership of assetsFinancial aid strategiesGift tax limits and trust usage strategies for education fundingInsurance Needs PlanningInsurance gap/needs analysis for life, disability, or long-term careHealth care, including Medicare, expense planningAnalysis and planning for estate liquidityPlanning for policy ownership issues and beneficiary designationsAsset allocation, diversification, and securities research for annuitiesEducation on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursementPersonal Financial PlanningDetermining clients’ financial status by analyzing financial statements, special needs, investments, taxation, employee benefits etc.Stock option planning Discussion of various mortgage options/real estate purchasesAdvice in change of lifestyle or major life event (Marriage, divorce, children, job, education)Major purchase goal analysis and funding optionsNet present value calculations for comparison purposes including time value analysisImportance of saving (dollar cost average, compound interest)Provide financial guidance/planning for special circumstances including death, disability, job loss, monetary windfall, divorce, etc.For more information on our Hourly Consulting Program, please contact us today. Go Back To Specialized Services Contact Us Today Name Email Phone Question Thank you! Oops!