financial planning analysis - rpg. family wealth advisory€¦ · licable exclusion amount in...

FINANCIAL PLANNING ANALYSIS WITH

RPG FAMILY WEALTH ADVISORY

The RPg Family Wealth Advisory Retirement Analysis

RPg Family Wealth Advisory’s Retirement Analysis can help you prepare for your retirement when your regular paychecks stop, but your daily spending does not. Questions like: What will my income be during retirement? Where will my retirement funds come from? These can be difficult to answer. Your journey toward a comfortable retirement begins with a few steps. Your Financial Advisor can help you formulate a retirement plan that allows you to take action today:

Assess Your Financial Situation

Taking into account:

• Projected annual retirement income based on your current assets

• Potential Social Security and pension benefits • Expected required minimum distributions for your IRA

holdings

Analyze Your Retirement Goals

The Analysis will help you determine:

• Your retirement goals and plans • When you may be able to retire • How long you may be retired • The income you may need

FINANCIAL PLANNING ANALYSIS

Plan Well. Invest Well. Live Well.

June 02, 2016

RPg FAMILY WEALTH ADVISORY, LLC

25 BURLINGTON MALL ROAD | SUITE 307

BURLINGTON, MA 01803

(781) 547-8660

WWW.RPgFAMILYWEALTH.COM

.

2



Formulate an Effective Investment Plan • Receive a complete projection of your retirement surplus or shortfall • Choose to invest in a retirement account or taxable account, then • Obtain recommended savings amounts to help you meet a potential deficit.

Calculations can be done for:

• You or your spouse individually, or a combined projection for your household • Your projected retirement income or one that adjusts with your projected rate of inflation

Alongside with a cash flow analysis, you will receive reports that include:

• An analysis of your average sources of retirement income with any projected deficit • Projected value of investments now through retirement, based on your current savings

The RPg Asset Allocation Analysis Process Let the RPg Asset Allocation Analysis help you find the optimal mix of investments that can assist you in meeting your long-term financial goals. See where you stand today, and develop a road map for where you would like to be.

3



Examine Your Goals and Attitudes

• Complete the RPg Asset Allocation Planner Questionnaire. This provides your Financial Advisor with an initial assessment of your current asset allocation, your financial goals, and the number of years remaining until your retirement.

• The questionnaire contains a series of risk assessment questions to help you define your attitude toward investments and market dynamics.

Build a diversified Portfolio

• By spreading your investments over several different categories, you can increase the probability that if one investment type is decreasing in value, another is increasing in value.

• By analyzing the information you provide, the Asset Allocation Process can illustrate the level of risk you are willing to assume. Only then is a customized allocation designed with your specific needs firmly in mind.

Address All Your Financial Needs at Once

The Asset Allocation Analysis was designed to work in conjunction with other financial planning tools. For example, you may allocate your educational savings, retirement savings and investment assets separately, depending on time horizon. The Importance of Asset Allocation How you allocate your assets is the factor that may have the greatest effect on portfolio performance. In fact, according to a study published in the Financial Analyst Journal, asset allocation can contribute to over 90% of portfolio performance. 1 At RPg, we have the responsibility to serve our clients’ interest first and foremost at the Fiduciary standard level. We understand the importance of defining your long-term retirement goals and tailoring an investment program that meets your individual needs.

1 CFA Institute

4



Source: CFA Institute

THE RPG EDUCATION FUNDING ANALYSIS

Giving our children the opportunity to earn a college degree has long been an integral part of the American Dream. A college or graduate school education is probably one of the largest financial challenges you will ever face. The decision to attend college is easy; the hard part is deciding how to finance increasing educational expenses.

RPg’s Educational Funding Analysis will give you the Framework you need to devise a smart investment plan to help you meet your family’s education costs. Take Action in Three Steps

1. Your Financial Advisor can perform an Education Funding Analysis based on whether

you’re considering a secondary school, a public or private college, or graduate school. You may also select a specific school from our extensive database of 1,700 institutions.

5



2. RPg’s Education Funding Analysis will provide you with a personalized report outlining monthly, annual and lump-sum investment schedules.

3. Your Financial Advisor can recommend appropriate investments that can help you meet future education expenses.

Start Early The longer you wait to start saving for college, the tougher it will be to meet future college expenses. Starting early is the single most important step you can take to ease the burden of meeting college costs. The RPg Estate Planning Analysis Careful Estate Planning could help ensure that the wealth you worked so hard to accumulate will be preserved and distributed to your heirs according to your wishes. The RPg Estate Planning Analysis could help you devise a strategy aimed at meeting your personal objectives, while reducing the tax consequences associated with leaving behind a substantial amount of assets. The Importance of Planning Ahead If your assets total $5 million (the Applicable Exclusion amount in 20161), the government considers you a wealthy individual. Any amount over the Applicable Exclusion may be subject to Federal Estate and Gift Taxes of up to 50% (in 20161). RPg’s Estate Planning Analysis seeks to provide you with the information and strategies necessary to help reduce the impact of these taxes. Basic Estate Planning The IRS allows each of us (except nonresident aliens) to pass the first $5 million of assets in 2015 to beneficiaries free of estate and gift taxes1. However, taking full advantage of your credit can often be a complicated matter. The RPg Estate Planning Analysis considers all the possibilities and recommends a plan that is appropriate for your individual needs. The wide scope of the analysis includes:

1 CFA Institute

6



• Establishment of Credit Shelter Trusts • Life insurance needs • Measurement of estate liquidity at death • Gifting

Take Action

Getting started is one of the most important steps you can take toward providing your loved ones with a financially secure future.

Leaving the legacy you want means leaving nothing out of your estate planning now. It includes not only your assets, but also your values, ethics, hopes and dreams. All of these inform us how your estate plan should be structured. That’s because living the life you envision is just the start. You’ve planned for that. Now you want to make sure your family is provided for, and that they will carry on your wishes along with your values.

At RPg Family Wealth Advisory, our Advisory teams work with your other trusted financial professionals including your accountant and attorney to connect the threads of your life to develop an estate plan that includes your business, finances, charitable goals and family needs.

The RPg Net Worth Analysis

When it comes to sound financial planning, managing what you owe is equally as important as managing what you own. Think about your mortgage(s), car loan(s), credit card debt – each affects your net worth and factors into your plan for a comprehensive saving and investing strategy. Armed with this information, your Financial Advisor will use our Net Worth Analysis to help you:

• Assess your net worth, now and over time • Improve monthly cash flow should you choose to payoff high-interest balances • Stay invested by leveraging assets instead of liquidating them

7



Source: CFA Institute

IMPORTANT DISCLOSURES

RPg Family Wealth Advisory, LLC ("FWA") is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Additional information regarding RPg Family Wealth Advisory, LLC can be found on our website at www.rpgfamilywealthadvisory.com.

RPg Family Wealth Advisory, LLC does not provide tax or legal advice. Please consult an independent tax advisor for additional guidance.

This material has been prepared solely for informative purposes and is not to be considered investment advice or a solicitation for investment. Any projections, market outlooks, or estimates in this presentation are forward-looking statements and are based upon certain assumptions and should not be construed as indicative of actual events that will occur. Information contained in this report is as of the period indicated and is subject to change. The Information contained herein includes information obtained from sources that are believed to be reliable, but are not independently verified. It is made available on an "as is" basis without warranty.

This material is proprietary and may not be reproduced, transferred or distributed in any form without prior written permission from FWA. FWA reserves the right at any time, and without notice, to change, amend, or cease publication of the information contained herein.

Performance provided is past performance. Past performance is not indicative of future results. Investments may increase or decrease in value and are subject to a risk of loss.

Statements in this piece that reflect projections or expectations of future financial or economic performance of the markets in general are forward-looking statements. Actual results or events may differ materially from those projected, estimated, assumed or anticipated in any such forward-looking statements.

http://www.rpgfamilywealthadvisory.com/

financial planning analysis - rpg. family wealth advisory€¦ · licable exclusion amount in...

Documents