Consultation Services
Second Opinion Consultation by Phone
"Is everything being done properly?"
"How can I be sure my lawyer has
covered all the details in the best way for my loved one?"
We hear these types of questions quite often.
In response, we have decided to offer a Second Opinion Consultation
by phone.
Perhaps you have an existing relationship
with a financial planner or a lawyer (or both) with whom
you are comfortable but they may not have experience necessary
to address the needs of an individual with disabilities.
If you would like to be sure that everything is being done
appropriately, we suggest a Second Opinion Consultation.
A private Second Opinion Consultation by phone
offers you a convenient and cost-effective option. If appropriate,
we may initiate a conference call with you and/or your existing
advisors. However, you may also wish to review your current
plan with us privately. We can be creative in the ways we
work together to address your concerns.
Properly addressing even a small detail can
make a big difference to your, and your loved one's, future
security. Taking advantage of the private consultation option
is a very economical way to be sure that everything has
been done right for your situation.
Call us to determine if this option is right
for you. This initial contact is of course complimentary.
Cynthia Haddad: 781-893-0909 ext. 253
John Nadworny: 781-893-0909 ext. 242
Comprehensive Planning
As the parent or caregiver of an individual
with special needs, you have complicated and often conflicting
financial goals. The task of allocating personal resources
in a way that enables you to achieve your financial objectives
requires an integrated plan.
We have outlined several different ways we
can work together to develop a strategy that incorporates
your personal goals, current assets and future savings.
We offer our services in three arrangements
of fees:
1. Consultation on an hourly fee basis
2. Asset management* (fees based on
a percentage of assets under management)
* Fee based asset management offered through LPL Financial
3. Flat fee for developing a comprehensive
financial plan and recommended actions listed below. We
offer two versions of this service:
Version 1 - Special Needs
Planning Not Requiring Estate Tax Planning Strategies:
a. College education planning
b. Retirement needs analysis: company sponsored retirement
plans and individual retirement accounts)
c. Residential and lifetime planning for individual
with special needs, including government entitlements, purchase
of the physical structure, costs of annual support, introduction
to other professionals/agencies
d. Concerns involving the death and/or disability
of a parent or caregiver: life insurance analysis and needs,
ong term disability analysis and needs, coordinating beneficiary
designations on insurance, retirement plans and annuities,
long term care analysis and needs
e. Discussions with lawyer/accountant
Fee includes two meetings (two hours each)
plus a written plan and recommendations. (see below)
Version 2 - Special Needs
Planning Requiring Estate Tax Planning
Includes the above information plus:
f. Estate tax calculations
g. Balancing estate assets to coordinate with legal
documents
h. Estate value and tax projections
i. Additional time coordinating with legal council,
including an additional meeting if needed
Fee includes two meetings (two hours each)
plus a written plan and recommendations
Implementation: A written plan will
be delivered and discussed in the second meeting. The client
may need to take further actions to implement the recommended
strategy; this may involve reallocating existing investments
or the purchase of insurance and/or other financial products
and services. The client may implement the recommendations
independently or can elect to continue to work with us to
implement the plan. This involves initial implementation
and future consultations. Compensation for implementation
services will be discussed at that time.
Please call or email
to discuss further.
|
