Review of Andrew's Services

Investment Planning, Portfolio Construction & Implementation

• Holistic approach to investment advice comprehensively incorporates a client's personal situation, financial circumstances, time horizons, and risk tolerances to arrive at appropriate portfolio solutions.
• "Dx3" Portfolio design process focuses on risk-adjusted returns and a multi-faceted approach to risk mitigation.
• Efficient and low-cost portfolio implementation and maintenance.
• Consideration of non-capital-markets financial solutions including private placements and annuities.

Client Education and Coaching

• Help clients become more sophisticated and engaged regarding financial matters.
• Ensure that clients remain on course during market turbulence to avoid the many mistakes made by most casual investors.

Retirement Planning

• Retirement plan review.
• Consideration of Social Security, health care coverage, and related retirement concerns.
• Retirement distribution planning to make certain that withdrawal order is both financially advantageous and tax efficient.

Tax-Efficiency Planning

• While we are not accountants, LPA can help clients optimize opportunities for tax-advantaged investing.
• Portfolio solutions include tax-efficient asset location planning.
• Tax-loss harvesting when available and appropriate.

Family and Legacy Considerations

• 529 accounts and education planning.
• Wealth transfer preparation including family financial education.
• Charitable giving strategies.

Financial Protections

• Assess insurance needs to ensure that coverage is appropriate and that no coverage gaps exist.
• Contingency and continuity considerations.