Intentional Guided Planning
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Retired or Nearly Retired
It’s time to enjoy life.
You’ve worked hard, saved, and invested as best you could. If you raised a family, the kids are now independent adults with their own financial goals. Your focus now is that sweet spot in life when work is optional.
Or maybe you’re already there. It is important to be mindful of your retirement years, your estate, and healthcare needs. It is also a good time to reflect on how your life’s work can have a positive and lasting effect in your family and community.
This diagram highlights the six primary categories for this third stage of Intentional Guided Planning. Each of these categories and its respective components are detailed below.

Cash Flow and Budget

Investment Planning
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Review of Portfolio
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Asset Allocation
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Account Aggregation
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Withdrawal Strategies

Insurance Needs
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Review Existing Policies
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Empty-Nesters and Retirees
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Long Term Care Insurance Analysis
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Medicare Advice

Tax Planning
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Marginal Income Tax Brackets
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Tax-Sensitive Investing
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Review of Cost-Basis
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Review of Realized Gains
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Tax Loss Harvesting

Retirement
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Social Security Analysis
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Annuities and Pensions
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RMDs and Withdrawal Strategies
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Mistakes to Avoid
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Bucket-List Items

Estate Planning and Assistance to Loved Ones
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Wills and Trusts
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Estate Planning Checklist
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Power of Attorney
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Beneficiary Designations
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Living Will
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Health Care Proxy
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Estate Taxes
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Charities
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Gifting
Download this information
Click here for the ‘Retired or Nearly Retired Guide to Financial Planning’ (PDF Format – 468k)