Sisu Wealth Management
Our Services
Financial Strategy and Goals-Based Planning
Building a solid foundation using goals-based, financial planning that is on-going and accessible so we can focus together on meeting and exceeding important milestones, regardless of market conditions and performance.
Goal Setting and Planning
Develop, implement and monitor all financial goals
Calculate net worth and review cash flow annually
Conduct annual planning evaluations and tracking of goals
Provide proactive follow-up on action items
Provide advice on healthy financial behavior, e.g. wants vs. needs
Retirement Planning
Evaluate pension plan structures, IRA's, Roth IRA's or qualified plans
Analyze distribution options for pensions
Calculate retirement plan benefits, including Social Security
Calculate IRS Required Minimum Distributions (RMD's) and educate on regulations
Provide Roth IRA conversion calculations and advice
Educate on how the timing of retirement will affect retirement lifestyle
Review and update goals, objectives and priorities to analyze the impact of these changes on overall financial situation
Update financial projections to monitor the effect of stock and bond markets, changes to cash flow needs, risk tolerance and other variables
Analyze the effects of inflation on financial goals
Provide stress test analysis of portfolio, i.e. Risk Tolerance
Provide Social Security analysis and optimization
Education Planning
Evaluation of the various vehicles for educational savings and selection based on individual needs
Monitor age of student(s) to ensure proper allocation based on risk tolerance and time horizon
Provide guidance and advice on financial aid and scholarship funding
Monitor state and federal tax laws for changes to education benefits, contributions, credits and deductions
Networth Statement and Balance Sheet
Gather and analyze information to create household balance sheet
Analyze debt structure and organization; assess lending opportunities
Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs, accelerated payment programs and PMI reduction strategies
Calculate net worth
Monitor net worth to ensure the financial plan is working to preserve and grow assets
Help prioritize spending and prepare for potential pitfalls
Look for opportunities for additional savings
Benefit Plan Analysis
Provide advice to maximize employee benefits
Annual analysis of employee benefits
Provide stock option strategies
Provide advice on employee stock purchases as a part of overall investment strategy
Monitor contributions to retirement plans
Tax Sensitivity Analysis
Provide information about tax-planning strategies
Work in symphony with CPA to enhance tax efficiencies in overall financial plan
Assist CPA with gathering data
Simplify tax reporting
Discuss tax benefits of optimizing 401(k), 403(b) or other retirement plan options
Provide information on the benefits of section 125 plans and health-savings accounts
Help reduce taxation of Social Security benefits
Provide advice on possible benefits of Roth conversions
Monitor tax law changes and the impact on overall situation
Establish and track cost basis on taxable accounts
Provide advice on retirement plan distributions prior to age 59 ½
Provide advice on Required Minimum Distributions (RMD's) after age 70 ½