Those who are in the full swing of work and family life will want to purchase our Pre-Retirement Plan. These are often the highest earning years, from age 45 to 65, and so it is crucial to carefully coordinate advisers. There's typically a 15-20 year gap until children leave their parents' payroll, so we'll include a checklist for the next decade-plus to help these clients secure retirement while wrapping up the parenting stage. We will also help clients centralize all accounts and financial documents in our eMoney software. 

The Pre-Retirement package includes an initial in-person planning meeting, a customized financial plan and checklist, and one year of follow-up services.

Package Fee: $1,000

Services provided include:

• Discussion of your financial priorities
• Statement of assets and liabilities
• Debt review
• Employee benefits review
• Emergency savings review
• Saving & spending analysis
• Major purchase review
• Healthcare review
• Income protection analysis
• Survivor needs analysis
• Life expectancy calculator
• Long-term care analysis
• Pre-retirement cash flow review
• Post-retirement cash flow review
• Review of retirement assets
• Investment allocation plan
• Income tax review
• Action checklist

Optional add-ons for this package include:

• Education funding review (funding options, college expense report, gifting options): $300
• Estate planning review: $1,000
• Charitable gifting plan: $400