The Charles Stephen Planning Process

Every financial plan we create is as unique as the client we build it for.

WHAT WE DO

Your Signature Blueprint, created by Charles Stephen, helps you develop strategies for achieving financial independence and is a blueprint for attaining your goals. Our unique process will help you create and preserve wealth, protect and empower your family, and achieve your goals.

HOW WE DO IT

We walk you through a unique six-step process that’s highly structured, but simple. The process creates a detailed dialogue between you and your Charles Stephen advisors, enabling us to help you move complex topics to a sequence of concrete actions, steps and goals that are relevant to your specific needs. At the end of this process, you’ll know what to do, when to do it and why.

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The Charles Stephen Suite of Services

RETIREMENT PLANNING

Goal Setting
Social Security & Medicare
Business Continuity Planning
IRA Contributions & Conversions
Employer Sponsored Plans & 401k
Annuities & Pensions
RMD’s & Withdrawal Strategies
Self-Employed Retirement Plans

CASH FLOW & BUDGETING

Income Sources | Expenses & Budgeting
Debt Management One-Time Expenses
Planned Large Expenses
Emergency Funding
Dollar Cost Averaging
*Mortgage Review | Banking Review
Lines of Credit

INVESTMENT PLANNING

Portfolio Review | Asset Allocation
Time Horizon
Risk Objectives & Clarity
Withdrawal Strategies
Investment Policy Statement
Stock Concentration Review & Strategy
Coordination & Review of Outside Investments

*ESTATE PLANNING & CHARITABLE GIVING

Wills | Power of Attorney | Living Will
Healthcare Proxies | Trusts
Irrevocable Life Insurance Trusts
Estate Taxes & Strategies
Guardian for Minor Children
Charitable Giving & Trusts

*INCOME TAX STRATEGIES

Review of Cost-Basis
Review of Realized Gains
Carry Forward Losses
Tax-Loss Harvesting
Potential Roth Conversions
Health Savings & Flexible Spending Accounts

RISK MANAGEMENT & INSURANCE

Review of Existing Policies
Life Insurance Needs Analysis
Long-term Care Insurance
Disability Insurance | Health Insurance
Homeowner’s & Renter’s Insurance
Liability Coverage
Employee Insurance Review