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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 Planning

  • Identifying AMT issues
  • General discussion of deductions and income recognition
  • Answer questions about investment tax issues
  • Discuss statement of personal financial position
  • Analyze personal cash flow statement
  • Develop and/or analyze business balance sheet, income statement, cash flow statement, pro forma statements
  • Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.
  • Tax implications of various stock plans – Restricted, phantom, SARs, ESPP
  • Non-qualified deferred compensation programs
  • Income taxation of life insurance and annuity products
  • Investment cost basis research and reporting

This 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 Allocation

  • Asset allocation analysis
  • Risk and reward (risk tolerance analysis)
  • Diversification analysis
  • Analysis and research on individual securities

Asset 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 Planning

  • Retirement needs analysis
  • Retirement plans analysis and education
  • Savings planning to help clients pursue their goal
  • Contribution limits planning
  • Retirement plan design
  • Employer plans vs. self-directed plans analysis
  • Assist in the coordination of retirement plan service providers, product sponsors, or vendors as a liaison
  • RMD or 72t calculations and analysis
  • Beneficiary designation planning
  • Social Security and Medicare health care cost planning

Estate Planning

  • General estate planning and gifting strategies
  • General estate tax planning
  • General trust planning strategies
  • Explanation of estate planning structures/documents – wills, POA, Trusts, etc.
  • Explanation of types and treatment of trust income - accounting, taxable, distributable
  • Sources of estate liquidity planning
  • Ownership titles and titling of assets planning
  • Discussing impact of account and trust beneficiary designations

Liberty 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 Planning

  • Creation of personal or business budget
  • Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
  • Explain various components of cash flow (income, taxes, expenses)
  • Savings strategies
  • Debt management strategies
  • Personal financing strategies
  • Analysis of personal statement of financial position and statement of cash flows

Business Planning

  • Cash flow analysis
  • Retirement planning
  • Succession planning
  • Cash management
  • Employee benefits planning
  • Financing strategies
  • Business use of insurance analysis
  • Intra-family and other business transfer techniques

Education Planning

  • Discussion of qualified tuition/college saving plans
  • College costs and inflation analysis
  • Individual needs analysis
  • Development of funding strategies
  • Provide direction on ownership of assets
  • Financial aid strategies
  • Gift tax limits and trust usage strategies for education funding

Insurance Needs Planning

  • Insurance gap/needs analysis for life, disability, or long-term care
  • Health care, including Medicare, expense planning
  • Analysis and planning for estate liquidity
  • Planning for policy ownership issues and beneficiary designations
  • Asset allocation, diversification, and securities research for annuities
  • Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement

Personal Financial Planning

  • Determining clients’ financial status by analyzing financial statements, special needs, investments, taxation, employee benefits etc.
  • Stock option planning
  • Discussion of various mortgage options/real estate purchases
  • Advice in change of lifestyle or major life event (Marriage, divorce, children, job, education)
  • Major purchase goal analysis and funding options
  • Net present value calculations for comparison purposes including time value analysis
  • Importance 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.


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