Financial Planning Consultants, Inc. (FPC) with its headquarters located in Lafayette, Indiana, offers Retirement Services to small business owners, corporations and individuals and their families. These services include the following:

  • Investment Management*
  • Fiduciary Reviews for Endowments, foundations, private family trusts and high net worth individuals
  • Fiduciary Reviews for ERISA retirement plans and public employee retirement plans
  • Comprehensive Financial Planning
  • Retirement Planning and Distribution Planning Services
  • Diversification Strategies for High-Equity Concentrations
  • Family Estate Planning and Trust Services
  • Gifting Strategies
  • Philanthropic Planning
  • Evaluation of Social Security Benefit Options and Medicare Insurance
  • Evaluation and Selection Assistance with Long-Term Care and Medigap Insurance
  • Evaluation and Selection Assistance with Nursing Homes, Assisted Living Facilities, and At-Home Health Care Living Arrangements
  • CareGiver Consulting Services
  • Educational Services
  • Custom Corporate/Human Resource Services


Affluent and Wealthy individuals and their families face highly complex advisory needs in retirement. Through FPC’s experience and vast network of financial and legal professionals, we provide value-added guidance and solutions to these complicated financial issues.
  1. What We Do
  2. Investment Management Services
  3. Fiduciary Reviews for Endowments, Foundation, Private Family Trusts and High Net Worth Individuals
  4. Fiduciary Reviews for ERISA, Retirement Plans and Public Employee Retirement Plans
  5. Comprehensive Financial Planning Services
  6. Retirement Accumulation and Distribution Planning Services
  7. Diversification Strategies for High-Equity Concentrations
  8. Family Estate Planning and Trust Services
  9. Gifting Strategies
  10. Philanthropic Planning
  11. Evaluation of Social Security Options and Medicare Insurance
  12. Evaluation/Selection Assistance with Long-Term Care and Medigap Insurance
  13. Evaluation/Selection Assistance with Nursing Homes, Assisted-Living Facilities, and At-Home Health Care Living Arrangements
  14. Caregiver Consulting Services
  15. Educational Services
  16. Seminars & Speaking Engagements

Retirement can be a wonderful period in one’s life. However, complexities can set in due to poor health and/or the onset of advanced age due to significantly longer lifespans. FPC provides Personalized Retirement Services including Investment Management*, Comprehensive Financial Planning, Retirement Planning and Distribution Planning, as well as Income Tax Planning, and much more on a fee-only basis. FPC’s objective is to deliver customized services to ease the everyday burden that retired clients face, in addition to the innovative financial advice that we believe is unequaled in terms of quality, from which clients can derive maximum value.
FPC expects to achieve its objective by providing all firm members with extensive, ongoing internal and external education by utilizing cutting edge financial information, management, technology, hardware, and software, while capitalizing on our extensive national and local networks of other financial professionals. FPC continually creates new services not offered by our competitors that are of value to the client.

FPC offers customized Investment Management* Services to individuals and institutions. Investment portfolios are developed to match the client’s return and risk requirements, which are determined by the clients’ completion of a Risk Tolerance Questionnaire, with the guidance of an FPC advisor. Each type of investment portfolio is managed to achieve both short and long-term investment objectives.
Investment Management* Process:
As your consultant in the Investment Management* Process, we will:
  • Analyze your goals, objectives and existing programs
  • Formulate/update a written investment policy statement
  • Establish appropriate asset allocations/manager style mix
  • Introduce suitable managers and/or investment vehicles
  • Monitor and report on your portfolio's performance
  • Provide ongoing evaluation and due diligence
Investment Research:
FPC performs extensive research as to how to structure investment portfolios. Emphasis is placed on striving to develop portfolios that have historically achieved high returns, but with lower than normal risk. FPC’s sources of academic and institutional research include:
  • The University of Chicago*
  • Stanford University*
  • Association of Investment Management & Research*
  • Various Investment Organizations*
*The above companies/institutions are not affiliated with Raymond James
Sources of Current and Historic Worldwide Financial Market and Economic Data include:
  • Investment Newsletters, Newspapers, Periodicals, Research Publications, and Professional Journals
  • Portfolio Managers

Client Education:
Education is very important to us. FPC is dedicated to educating each client about the different investment portfolio types and how they relate to market volatility, time horizons, and investment returns. It is our goal to ensure that the client understands and agrees with our investment philosophy. Furthermore, we assist each client in selecting a risk tolerance level with which they are comfortable. Ultimately, an investment portfolio is designed to meet the client’s objectives.

Performance Evaluation:
Investment management clients may receive quarterly performance reports upon their request, which specifically state beginning balance, the ending balance, contributions, withdrawals, realized and unrealized gains, interest, dividends, management fees, total gain after fees and the percentage return during that timeframe. We may also compare these returns to various indexes, depending upon the type of investment strategy. While providing detailed information, these performance reports are easy to read and understand.
Selection of Portfolio Managers for Multiple Manager Accounts:
At FPC, portfolio managers are selected first, then the investment vehicle. By constantly researching and identifying both the strong and weak characteristics of portfolio managers and their investment process, we are assured that our clients are receiving high quality management talent. Portfolio managers that we recommend are screened utilizing detailed questionnaires and one-on-one interviews, followed by periodic conference calls. (See Investment Management Services)
A fiduciary review determines whether or not fiduciaries and investment professionals are in compliance with the standards of modern prudent fiduciary investing. A fiduciary review is also valuable in teaching fiduciary standards of care and investment best practices to fiduciaries and investment professionals.
FPC assures you are following the Uniform Code of Fiduciary Conduct which includes:
  • Preparing an Investment Policy Statement (IPS) and documenting all investment decisions. The IPS should be viewed as the business plan for the investment program, and a summary or minutes of all investment meetings should be kept.
  • Diversifying the portfolio according to the participants’ and beneficiaries’ risk/return profiles. Fiduciary portfolios should not be managed in a cookie-cutter fashion. Each portfolio will have unique cash flow requirements, legal restrictions, and risk and return objectives.
  • Hiring prudent experts to manage the investments. New fiduciary standards make it clear that it is neither the desire nor the intent to have the fiduciary actually make investment decisions, that responsibility being designated to managers. The fiduciary’s role is to manage the overall investment process, including the performance of due diligence and the selection of professional money managers.

  • Controlling and accounting for investment expenses. The fiduciary is responsible for ensuring that the components of the investment program are reasonably priced, and that no one service vendor is being unduly compensated, including mutual funds, money managers, custodians, consultants, and brokerage firms.
  • Monitoring the activities of service vendors. The fiduciary MUST follow a due diligence process in selecting a money manager, and then continue monitoring on an ongoing basis to ensure that the manager adheres to approved investment strategies. Likewise, the fiduciary MUST review the activities of their attorney and investment consultant to ensure that the plan’s interests are being served first and foremost.
  • Avoiding prohibited transactions and conflicts of interests. The most common breaches include investing assets in international securities outside the reach of U.S. Courts (for ERISA plans), or using the entrusted assets for unrelated business purposes or personal gain.
A fiduciary review determines whether or not fiduciaries and investment professionals are in compliance with the standards of modern prudent fiduciary investing. A fiduciary review is also valuable in teaching fiduciary standards of care and investment best practices to fiduciaries and investment professionals.
FPC helps plan sponsors implement a documented fiduciary oversight process to reduce liability and ensure compliance with ERISA requirements. FPC acknowledges in writing that it is a fiduciary for investments under the plan. Our process involves a best practices approach to the creation and implementation of an investment policy. Our investment analysis and monitoring process ties ten separate analytics directly to your investment policy so that you can quickly see which funds/managers are compliant and which are not, the reasons for non-compliance and what action is recommended.
At FPC we provide consulting in the following areas:
  • Fiduciary Review and Oversight
    • Fiduciary training for Investment Committees
    • Provide gap analysis of possible fiduciary exposure
    • Review plan design
    • Review plan processes for compliance
    • Establish on-going fiduciary oversight process
    • Monitor and document fiduciary acts for on-going compliance
    • Assist in preparation of annual report to the board
    • Assist with Sarbanes-Oxley compliance as it relates to the retirement plans and investment oversight
  • Fee Analysis and Vendor Revenue Audit
    • Uncover disclosed and non-disclosed fees and vendor revenue sources
    • Provide vendor profitability analysis specific to your plan
    • Blind searches for real-time insight on your plan
    • Determine opportunities for reducing fees and/or investment expense
    • Negotiate with vendor on your behalf or provide you with a proven approach for negotiating with your vendor for a more reasonable fee
  • Investment Manager, Vendor Search and Transition
    • Develop RFP and review RFP responses
    • Manage and oversee process
    • Screen thousands of investment managers and funds using institutional analytical tools
    • Screen all 401(k), 403(b) and defined benefit vendors utilizing proprietary database
    • Oversee conversion and implementation
    • Insight from hundreds of searches
  • Investment Analysis and Monitoring and Investment Manager Search
    • Investment policy creation and implementation
    • Asset allocation optimization
    • Performance analysis and monitoring
      • Versus peers and benchmark
      • Performance attribution
      • Returns and holdings based analysis
    • Risk management
      • Risk-adjusted performance
      • Style drift
      • Manager changes
  • Operational Audit
    • Review of vendor processes and controls
    • Audit to test whether plan is being administered according to plan document
    • Benchmark service standards to industry
Initial Development:
After a client completes an extensive data questionnaire and delivers all relevant financial documents, FPC will develop a comprehensive financial plan. It will address the following areas:
  • Preparation of financial statements including federal and state income tax projections
  • Basic finance issues, such as debt structure, liquidity and cash flow issues
  • Development of Investment Strategies including hedging and tax-sensitive strategies
  • Income Tax Strategy Optimization, including providing alternative financial and legal structures
  • Education funding
  • Retirement planning as well as distribution strategization
  • Estate tax reduction analysis and philanthropic decision-making
  • Trust Services through one of our independent trust company strategic alliances, if applicable
  • Survivor needs analysis
  • Risk Management/Asset Protection, including analysis of all insurance coverages
  • Stock option exercise strategies, if applicable
  • Retirement plan compliance, if applicable
  • Business planning, if applicable
As part of the financial planning process, FPC develops specific recommendations addressing each of the above-listed areas. During this first part of the process, the client will meet with an FPC advisor approximately three to six times, typically within the first six months of the client relationship. Each meeting will vary between two and four hours, depending upon the complexity of the client’s situation.

Once the recommendations are made, FPC will then assist in the implementation of the recommenda­tions where it can. A few examples include:
  • Arranging loans with private banking departments of banks and, when necessary, introducing a client with commercial loan needs to an appropriate banking officer
  • Providing a banker with appropriate financial information to arrange or renew a loan for the client
  • Sending financial information to attorneys so that they prepare the necessary estate documents, including wills, trusts, powers of attorney, health care proxy, and living wills
  • Sending income tax information to accountants, such as bonus payments and gains and loss information on the sale of securities, etc., in order to prepare the tax return and make appropriate estimated tax payments
  • Requesting information on the policy status of life insurance and annuity policies on behalf of the client (This information would include such items as death benefits, cash values, surrender charges, beneficiaries, tax basis, investment return, etc.)
  • Requesting the tax basis of securities on behalf of clients
  • Requesting insurance quotes on behalf of clients
Our objective is not to necessarily reduce the complexity of the client’s financial situation, because sometimes it does make sense to utilize trusts and other strategies to mitigate taxes and achieve family friendly objectives. Rather, our goal is to save the client the time and the energy that it takes to manage his/her complex situation so they are free to focus more closely on matters that mean the most to them.
Ongoing Service:
During the first twelve months of service, as well as all ensuing years that FPC is retained, the client is entitled to unlimited phone calls, meetings, service and advice. For the second and all subsequent years, retainer fees are approximately 50% to 70% of the original retainer fee, depending upon the level of complexity of the client’s situation. However, if the client is an Investment Advisory Client with FPC, a financial planning retainer fee will not be charged after year one. (See Fees)

Many of our clients are interested in receiving guidance regarding retirement planning services. They especially want to know how much they need to accumulate, when they can retire, how to spend down their assets in a tax-efficient manner, and finally to distribute their assets to their heirs upon their death. FPC’s retirement accumulation and distribution planning services address all these areas and more.
FPC assists each client during this stage of their life in a number of ways including:
  • Counseling each client with regard to how to invest and manage monies for retirement during their employment years
  • Performing extensive retirement calculations both before and during retirement to determine if the clients’ assets will be adequate to live on
  • Advising each client as to what assets to spend down
  • Guiding each client through the complex regulatory environment as how to distribute these assets from IRA’s and other retirement plans in a tax-efficient manner, especially if the client is younger than age 59½
  • And finally, facilitating the planning and transfer of the assets to the client’s heirs
These services are part of the comprehensive financial planning service.

This service is designed to assist clients who have a large percentage of their net worth in one stock. While the simple solution is to sell the stock and pay the taxes owed, it may not be the most optimal one. There are a number of alternatives that can be utilized in an attempt to maximize value. However, since many of the strategies are long-term in nature, finding the one most comfortable for the client entails a significant amount of planning around the overall financial goals of the client. FPC will review with each client a myriad of strategies including: gifting to family members, charitable-giving strategies, tax loss harvesting or the transfer of a highly appreciated security into other suitable investments.

FPC works closely with a client’s attorney in the development or revision of a client’s estate documents, including wills, trusts (including Revocable Living Trusts, A/B Credit Shelter Trusts, Irrevocable Life Insurance Trusts, Q-Tip Trusts, Intra-Family Gifts, and Family Trusts), powers of attorney, health care proxy, and living wills. Trust services can be provided through one of the independent trust companies through which we have strategic alliances. The use of trusts allows clients to make conscious decisions regarding the passing of their wealth, during their lifetime and upon death, while retaining control.
In addition to estate document preparation, FPC will assist clients by verifying that their beneficiary designations on retirement plans and life insurance policies coordinate with the language within their estate documents. The titling of assets will also be reviewed to coordinate with the estate documents.
An individual or family should consider the following fifteen items when analyzing a basic estate plan:
  • Who are the heirs?
  • How will the estate be distributed?
  • Who will be your executor/trustee?
  • Who will be your minor or disabled child’s guardian if you were deceased or incapacitated?
  • What about estate taxes?
  • Basic Estate Planning – The Marital Trust/Credit Shelter Trust
  • Basic Estate Planning – Generation Skipping Trusts
  • Basic Estate Planning – Gifts
  • Basic Estate Planning – Charity
  • Basic Estate Planning – Irrevocable Life Insurance Trusts (“ILIT”)
  • Basic Estate Planning – Family Investment LPs and LLCs
  • Basic Estate Planning – Other Trusts
  • The importance of Durable Powers of Attorney and Living Wills
  • Long-Term Care Insurance
  • Government Assistance
If applicable, additional advanced estate planning techniques that FPC will advise clients on include: Standby Trusts, Foreign Situs Trusts, Medicaid or Special Needs Trusts, Qualified Personal Residence Trusts, Self-Canceling Installment Notes, Private Annuities, Sale-Leaseback Transactions, Remainder Interest Transactions and Split Interest Transactions.

FPC assists its clients in making wise decisions regarding gifting. Gifting has always been a method of reducing an estate. Individuals can gift unlimited amounts for tuition payments and medical bills. Therefore, careful planning is necessary to stay within the limits, otherwise gift taxes will be assessed. FPC counsels its clients regarding various types of gifts including: securities, real estate and business ownership interest, in addition to cash gifts so as to avoid gift taxation while accomplishing estate planning objectives. FPC also advises those clients who would be affected by the Generation-Skipping Transfer Tax as to how to avoid the tax.


While we are familiar with the tax provisions of the issues presented herein; as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.


FPC assists clients in identifying their personal and family philanthropic values and priorities as well as designs a plan to fulfill them. Individuals can take advantage of different methods of making philanthropic gifts. For example, an individual investor could gift highly appreciated stock, instead of selling the stock and incurring the capital gain taxes. A real estate owner may want to give property, which has low earnings and because the management of the property is time consuming or facing a declining market value, but still is marketable. Here again the owner would avoid the capital gains tax as well as obtain income tax savings from the charitable deduction. Specific strategies that will be evaluated will include: Charitable Gift Annuities, Charitable Lead Trusts, Charitable Remainder Annuity Trusts (CRATs), Charitable Remainder Unitrusts (CRUTs), Net Income Charitable Remainder Unit Trusts with Make-up Provisions, Flip Trusts, Charitable Pooled Income Funds, Charitable Lead Trusts and Private and Public Charitable Foundations.



A service included in the financial planning process is the review of social security benefits. As a client approaches retirement, does it make sense to begin taking benefits at age 62 or should they wait until their full retirement age? Will those benefits be taxable if taken before full retirement? FPC will also review the client’s social security earnings statement to make sure that all of the previous years earnings have been included.
Medicare is a federal health insurance program for persons 65 or older, persons of any age with permanent kidney failure, and certain disabled persons who are eligible to receive social security benefits. All eligible participants receive Part A (Hospital Insurance) without charge. FPC assists clients in determining if the client needs Part B (Medical Insurance) protection, which has a monthly premium. The discussions also cover additional protection with Medigap Insurance, which is outlined in the section entitled “Evaluation and Selection Assistance with Long-Term Care and Medigap Insurance”. If a client is not eligible to receive premium-free Part A benefits and is age 65 or older, the coverage can be purchased.

This service is to assist clients in determining if there is a need for Long-Term Care Insurance. FPC will evaluate the client’s ability to be self-insured. If there is a need for coverage, the client will be aided in choosing a carrier and selecting the benefits that coordinate with their needs. This service is part of the comprehensive financial planning service. Also, if the client so desires, they may want to consider living arrangements other than their present residence, for example, Continuing Care Retirement Communities. For more information refer to the Evaluation and Selection Assistance with Nursing Homes, Assisted - Living Facilities, and At-Home Health Care Living Arrangements.
FPC provides assistance by evaluating Long-Term Care Insurance options and coordinating them with the needs of the client. These areas include:
  • Types of coverage
  • Amount of coverage
  • Term of coverage
  • Activities of Daily Living (ADL).
  • Coverage for mental illness
  • Cost
Medigap Insurance fills in the insurance gaps that Medicare does not cover. There are various levels of coverage to choose as well as a wide variation in premiums. Evaluating pricing differences (Insurance premiums are based on factors such as community ratings, thoroughness of underwriting, and health considerations) between each insurance company as well as the coverage differences among each of the ten mandated Medigap Insurance Plans (A, B, C, D, E, F, G, H, I and J) developed by the National Association of Insurance Commissioners (NAIC), can be difficult, if not downright intimidating. Furthermore, insurability is another consideration. FPC evaluates the clients’ needs and assists them in choosing the Medigap Insurance coverage that is right for them. FPC will also coordinate the benefits a client may receive from their previous employer with the need for any additional coverage, including medical, long-term care or life insurance.

When the decision has been made that a client or their loved one has to be moved to either a nursing home, assisted living facility, or receive at-home health care, FPC will assist in the evaluation and selection of a facility or service. Also included in the evaluation are Continuing Care Retirement Communities or Lifecare Communities. These facilities not only provide housing for individuals age 62 or older, who are in good health, but also provide on-site assisted living accommodations and skilled nursing care, should the client need it at virtually no additional cost.
CareGiver Consulting Services are provided by FPC to support the growing number of family caregivers. When necessary, we will consult with outside professionals or subcontract certain aspects of our service to deliver the highest quality advice to our clients. Because care giving is frequently not a family member’s primary occupation, this new role can cause unnecessary stress and strain for both the person in need of care and the person responsible for giving the care. CareGiver Services will give clients and trust officers the ability to connect with a national resource for information, assessments, care planning, care implementation or monitoring care.
CareGiver Services are used when the FPC client, who is a caregiver, has concerns and needs professional advice and when:
  • The client would like an assessment of the care recipient’s current care situation
  • The client may be the primary caregiver and is struggling in this role
  • The care recipient’s needs may exceed the level of care available from the current provider
  • The client wants to plan for future care needs
FPC provides a number of different financial education workshops that vary in length and content.  Most can be tailored to the group being addressed.  FPC also offers Financial Planning Newsletters that are available on a quarterly basis.  E-mail newsletters for financial planning as well as investing are available monthly.  The workshops available are as follows:
Basic Investing:
This workshop provides a historical overview of the investment markets, completion of a risk tolerance questionnaire by each individual, and instruction as to how each individual can build an investment portfolio that works towards their financial goals.  FPC does not provide specific investment advice to individuals under this service.
Financial Planning:
FPC’s financial planning workshop covers most, if not all, of an individual’s financial planning needs.  The subject areas covered are as follows:
  • Basic finance issues – saving, emergency reserve funds, debt management
  • Insurance – homeowners, automobile, personal umbrella liability, disability, medical, health, long-term care, life insurance
  • Education funding
  • Retirement planning
  • Estate planning
  • Investing
Retirement Planning:
This workshop is designed for those individuals who desire to plan for retirement.  The workshop addresses the client’s need to accumulate funds for retirement, the tax laws associated with saving for retirement, how much they need, the potential sources of retirement income, the expenses they will incur, the taxation of retirement benefits when they are distributed from retirement plans, pre-59½ and post-70½ distribution penalty taxes and how to avoid them.  Additionally, the workshop covers the need for insurance, such as long-term care and Medicare supplement policies during retirement.  Finally, the workshop addresses investing issues during retirement.
Retirement Plan Investment Education:
This workshop is designed to educate and help people understand how to maximize their 401(k) and other financial investments.  Our goal is to provide the knowledge and tools needed to make informed financial decisions.  Because FPC is an independent provider of 401(k) advice and has no obligation to mutual fund companies, insurance companies or banks, we are a great source of objective information.  This comprehensive workshop is suitable for all Retirement Plan participants.  It details the components of their 401(k) plan - the investment options, contribution limits and loan features.  Then it addresses diversification and proper asset allocation.  This workshop also may address Traditional and Roth IRA issues.
Retirement Plan Distribution Planning:
This workshop is designed for individuals who are retired or are within ten years of retirement.  It discusses the rules for distributions from IRAs, Roth IRAs and other retirement plans.  The workshop reviews income taxation, penalties, and how to avoid them.  A comprehensive discussion of IRA rollovers, IRA transfers, Roth IRA conversions, in-service distributions, and plan borrowing laws will also be presented.  The workshop will cover beneficiary issues as how to mitigate income taxation to heirs and how to set up heirs for their own retirements.
Custom Corporate/HR Services:
Today, many employees do not fully understand their retirement plan and other benefits offered by their employers. While employers are spending a lot of money on administrative expenses, contributions, etc., they are not receiving the full benefit in terms of employee loyalty that they should.
Moreover, in today's litigious society, by educating your employees about their retirement and other benefits you can minimize your fiduciary liability by complying with ERISA rule 404 (c).
We can work with you to help meet the ERISA requirements for reducing fiduciary liability by assisting with the development and updating of investment policy statements, reviewing investment managers and investment choices and assisting in retirement plan design and implementation. All programs and services are customized to your specific needs.
We can work with all types and sizes of organizations ranging from just a few employees locally to thousands of employees worldwide. Our presentations will open your employees' eyes to important issues in the workplace and at home, and will motivate and challenge employees to reach goals they've never achieved before and help them feel good about themselves and their company.
Financial Planning Consultants, Inc. can design a program for your employees to review your current 401(k) plan and other benefits offered by your company either as a single presentation or as part of an ongoing educational program. We can also work with pre-retirees to discuss their retirement options and help them with their retirement planning.
This can be arranged on a group basis, or on a one-on-one consultative basis. We are not selling any products or services, but merely educating your employees about the plan you have in place and what their options are. Individualized retirement savings needs and retirement cash-flow analysis can also be provided.
Corporate education programs can be customized to meet your specific goals and budget. In addition, this will allow your human resources people to concentrate on their day-to-day activities doing what they do best. If you do not have a dedicated human resources department, we can serve in that capacity for you.
Services that we have provided include, but are not limited to:
Seminars and Work Shops:
  • What benefits is your company providing and what do they do for you (one-time seminar)
  • Understanding your 401(k) plan and the investments offered (given both on a one-time basis and on an ongoing basis)
  • Seminar on understanding retirement savings needs plus individual consultations and written retirement savings needs analysis for all participants
  • Determining what to do with a retirement savings from a former employer's plan

    and how much will you need to live in retirement - a review of pension, 401(k) and social security
  • Pre-age 59 1/2 IRA distributions
  • Health and disability insurance - what is the company doing for you
  • Deferred compensation and split dollar arrangements for key executives
  • Design and write investment policy statements
  • Provide individualized retirement plan consulting with current employees and executives including retirement cash-flow, savings needs and asset protection analysis
  • Annual review of existing retirement plan and investment performance
  • Selection and monitoring of investment plan managers
  • Retirement plan design and implementation
  • Assist in establishing 401(k), SIMPLEs, SEPs, Profit Sharing and other qualified plans
  • Design and implementation of non-qualified plans and deferred compensation
  • Review of buy-sell agreement funding and insurance (disability & life)
  • Design group life, health, long-term care and disability programs
There is no cost or obligation to meet and discuss what your needs are and how we may be able to help you and your company.
Private Seminars - Speakers Bureau:
Mark Dahlenburg, Registered Principal, is personally available to speak on many of today's economic, financial and savings topics.  We also have access to some of the most innovative, engaging and recognized speakers in order to provide the perfect speaker for your group, club or function with a presentation customized for your needs.
Our speakers will entertain, educate, and relate to your group. There is no cost or obligation to contact Mark Dahlenburg for more information on how we can help provide a speaker and to discuss what your group's specific interests and goals are. We commit our professional service and support to producing more inspiring, educational and entertaining events - with less time and effort for you.
We can also arrange accredited continuing education seminars for many groups and organizations including - Insurance CE credit, CFP®® credit, CLE credits and CPE credit for CPA®'s with advance notice.
Some examples of topics we have presented include, but are not limited to:

    Estate Planning

  • Basics of Estate Planning
  • Estate Planning - Wills, Trusts, and Probate - What Does It All Mean
  • The 10 Most Common Estate Planning Pitfalls 
  • Creating A Best of Class Estate Plan and The 5 Reasons Why Most Existing Plans Do Not Work
  • Saving for Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts

    Personal Investing

  • Women and Investing
  • Stock Market Update
  • Investment Policy: Considerations in Setting Objectives to Risk Controls
  • Evaluating Retirement Accumulation Needs 
  • Saving for Your College Education - Section 529 Plans and Beyond
  • How To Design Investment Policy Statements (IPS)
  • Asset Allocation Strategies for the Long Haul 
  • How to Make Your Retirement Income Last as Long as You Do 
  • Points to Keep in Mind when Selecting Your Asset Allocation Strategy 
  • What Issues to Consider When Deciding How to Invest Your Money
  • Successful Long-Term Investment Strategies
  • What Does It Take to Succeed in the Financial Markets
  • Preparing to Invest Wisely

    Wealth Management

  • Wealth Transfers and Asset Protection Strategies
  • Protecting Assets From Long Term Care Costs
  • Creative Wealth Strategies - Doing Well While Doing Good
  • Charitable Trusts and Charitable Giving  
  • Saving for Your College Education - Section 529 Plans and Beyond
  • Review of Important Business and Estate Planning Concepts
  • Wealth Building through Investment & Tax Planning Strategies
  • Six Critical Steps to Managing Wealth

    Retirement Planning

  • Retirement Planning 101
  • Retirement Plans for Small Businesses 
  • Developing An All Weather Portfolio for Your Retirement Funds
  • Evaluating Retirement Accumulation Needs
  • Building A Foundation for A Successful Retirement
  • Retirement Income: Perception vs. Reality
  • How to Make Your Retirement Income Last as Long as You Do
  • Calculating the Cost of Retirement and Estimating Your Retirement Income Need
  • What to Do if You Retire Early
  • Which Retirement Plan Distribution Method will Best Match Your Retirement Income Needs 
  • Who Should Be the Beneficiary of Your Retirement and IRA Plans - Understanding the Required Minimum Distribution Rules

    Small Business Owner

  • Business Continuation Planning: The Buy/Sell Agreement
  • Choosing a Business Entity
  • Retirement Plans for Small Businesses
  • Review of Important Business and Estate Planning Concepts 
  • Why is a Business Valuation Important

    Financial Planning Topics

  • Developing An All Weather Portfolio for Your Retirement Funds
  • Saving for Your College Education - Section 529 Plans and Beyond
  • It's Now Time To Think About Income Tax Savings Strategies - 10 Strategies to Reduce Income Taxes
  • Your Unbiased Guide to Life Insurance
  • The Seven Circles of Financial Planning 
  • The Impact Inflation has on Your Income
  • IRAs/Roth IRAs/IRA Accounts
  • How To Pick A Financial Advisor
We match the needs of your program with the special capabilities of our professional speakers by searching through our networks, locally, nationally and worldwide.