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Financial Counseling

Abacus

Current Financial Position

  • Cash Reserve Levels
  • Cash Reserve Strategies
  • Debt Management
  • Budget Analysis & Management
  • Employee Benefits
  • Net Worth
  • Expected Large Inflow/Outflow
  • Discretionary Income
Doctors

Protection Counseling

  • Disability Options
  • Long-Term Care
  • Umbrella Liability
  • Life Insurance
  • Medical/Health
  • Property & Casualty
  • Policy Status
  • Policy Loans
  • Deductibles vs. Cash Reserves
  • Beneficiary Designations
  • Special Needs Situations
Plant

Investment Analysis

  • Asset Allocation
  • Wealth Management
  • Lump-Sum Accumulation
  • Stock Options/Restricted Stock
  • Non-Qualified Deferred Compensation
  • Education Funding – Strategies
  • Diversification Strategies
  • Dollar-Cost Averaging
  • Risk Tolerance
  • Tax Implications
  • Cost Basis
Taxes

Tax Strategies

  • Tax Reduction
  • Tax Deferral
  • Tax Avoidance
  • Future Taxes Due
  • Withholding
  • Tax Diversification
  • Non-Qualified Investments
  • Effects of Liquidation
  • Filing Status
  • Business Ownership
  • Non-Traditional Ownership
Retirement

Retirement Counseling

  • Risk Tolerance Transition
  • 401ks
  • 457s
  • 403bs
  • IRAs
  • Roth IRAs
  • Roth Conversions
  • Social Security
  • Income Streams
  • Healthcare
  • Medicare/Medigap
  • Tax transitions
  • Required Minimum Distributions
  • Pre 59 1/2 Strategies
Will

Legacy Counseling

  • Estate Balancing
  • Capital Transfer
  • Asset Ownership
  • Trusts
  • Wills
  • Advance Directives
  • Health Power of Attorney
  • Financial Durable Power of Attorney
  • Charitable Giving
  • Succession Planning
  • Minor Children
  • Generation Skipping
  • Estate Liquidity

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor.

Member FINRA & SIPC.

Richard Balkcom may only discuss and/or transact securities business with residents of the following states: CO, DE, FL, MA, MI, NC, NJ, NM, RI and TN.

Geoff Balkcom may only discuss and/or transact securities with residents of the following states: CO, FL, MA, MI, NY, RI and SC.