SERVICES
Services
Planning is never finished at Cambium.
Each day, each chapter of our lives need to be reviewed and sometimes a tweak or maybe a major adjustment made. We realized years ago that this process is continual but not tended to on a rigid schedule. As a result, we use this list as a tool to keep us on a disciplined path.
Portfolio Allocation
• Retirement income needs analysis
·· Social Security
·· Pensions
·· Investment accounts
·· Investment properties
·· Business interests
• Outflow analysis
• Assign purpose to assets
• Risk
Estate Planning
• Review documents
·· Trust / Will / POA / TODs
·· Review Asset Titling
• Work with professional to establish if needed
• Inform responsible parties
• Document vault
Insurance Analysis
• Insurance vs. liquidity
• Life / DI / LTC
Legacy Planning
• Charity
• Beneficiary planning outside of estate planning
Tax Planning
• Meeting with CPA
• Tax harvesting
• Estate planning
• Assets location
• Roth conversions
Education Planning
• Loans
• Gifts
• Offer services to kids
Parental Care
Life Transitions
• Marriage / Divorce
• Life / Death
• Business succession
• Moving
• Disability
Business Planning
• Succession
• Structure
• Buy / Sell
• Key person insurance
Financial Planning Review
Document Storage
Getting what you want out of life...
• Impacting family and society
• Vacations
• Second home