Thank you for your interest in my services. My business is a great fit for financial planners who practice comprehensive/holistic financial planning.

As a financial planner, I am sure you are familiar with the 7-step financial planning process.

Steps 1-4 are typically the most labor-intensive and tedious and this is where my efforts are focused.

I view the task of reading through estate planning documents, employee benefits handbooks, insurance policies, summary plan descriptions and the like as a treasure hunt. By giving equal weight to the investment and non-investment elements of each clients’ financial plan, I routinely find significant mistakes, oversights, and opportunities that planners who focus entirely on portfolio management might miss.

When you share the list of golden nuggets I found with your client, it will make the value of your services tangible and quantifiable. Here are some examples of the types of treasure I find:

• A doctor did not realize he could contribute to both his hospital’s 403(b) and 457(b) plans.
• A client was unaware that his company medical insurance policy included a $30,000 life insurance death benefit.
• A client still had her ex-spouse on the beneficiary form for her 401(k) and group life policies.
• A client did not realize that her company’s benefits program included a $2,000 benefit for estate planning.
• A client did not realize that retiring on December 31 instead of January 1 would require him to take two 401(k) required minimum distributions in the following tax year instead of just 1 if he waited to January 1.