Services

Financial Planning

Future Net Worth Projections
Coordination of Tax & Investment Planning (Reduce Income Taxes)
Analyze Tax Law Changes Impact on Investment Strategy
Determine the Probability of Never Out-Growing Your Income
Section 529 / College Planning Recommendations
Cash Flow Projections
Health Savings Accounts
Charitable Giving Alternatives
Gifting to Spouse, Heirs & Family
Control Future Taxable Estate Growth
Audit Current Life Insurance Arrangements

Investments

Allocate & Rebalance Assets
Verify Suitability of Investments
Existing Annuity Analysis / Maintain or Surrender
Identify Future Investment Opportunities & Pitfalls
Oversee Third Party Professional Money Managers
Determine Appropriate Degree of Aggressiveness/Safety

Tax Reduction Strategies & Services

IRS Audit Representation
IRS Collection Representation
Individual Tax Planning, Preparation & Tax Reduction (Residents and Non-Residents)
Prior Year Return Audit (If Prepared Elsewhere)
Tax Efficient Ways to Access Retirement Money
Partnership Set-Up, Tax Planning, Preparation
Sales Tax Audit Representation & Tax Reduction
Trust Tax Planning, Preparation & Tax Reduction
Estate Tax Planning, Preparation & Tax Reduction
Reduce Taxes Specifically For Small Business Owners and Professionals
Corporation Set-Up, Tax Planning, Preparation & Tax Reduction
LLC (Limited Liability Company) Set-Up, Tax Planning, Preparation
Non-Profit Tax Planning & Preparation
Divorce Tax Implications

Retirement Planning

Cash Flow Projections
Establish Optimal Budgets
Determine Goals & Values
Calculate Required Minimum Distribution
Establish, Administer & Maintain Employee Benefit Plans (provided through associates)

Estate Tax Pre-Legal Organization

Medicaid Eligibility Consulting & Advice
Long Term Care Coverage Needs Analysis
Gift Tax Planning, Preparation & Tax Reduction
“Wealth Replacement” Irrevocable Life Insurance Trusts Structuring
Compliance of Charitable Trusts with Government & Legal Standards
Coordinate Proper Titling Of Assets to Conform With Estate Distribution Arrangements

Business Consulting

For New Businesses

Feasibility Analysis
Corporate Formation Assistance
Federal & State Tax Filing Setup

For All Businesses

Payroll & Bill Payment Services
Develop Policy for Vacations, Sick Leave, Holidays
QuickBooks Software Program Education, Setup & Use
Prepare Financial Statements for Business Owners & All “Interested” Parties
Prepare Projected Financial Statements for Business Owners

Tax Advice

Planning
Return Preparation
Reduction Strategies

Cash Flow Management

Maintain Adequate Cash Flow
Maximize Accounts Payable & Receivables
Debt Counseling (provided through associates)
Lease Purchase Decisions / Automobile & Other Business Equipment
Bankruptcy Consultation / How to Avoid Bankruptcy (provided through associates)
Collections Administrator / Assure Proper Collection of Receivable (provided through associates)

Succession Planning (provided through associates)

Business Valuation
Structuring Buy/Sell Agreements
Transferring Businesses to Family Members
Assistance with Purchase or Sale of Business

Partnerships

Cross Purchases
Buyout Valuations
Dissolution Conditions, Justification, Analysis


What to Expect

Customized Financial Plan

Quarterly Portfolio Reporting

24-Hour Online Account Access

Goal Setting & Values Clarification

Semi Annual Asset Review Meeting

Coordination Of All Financial Affairs

Annual Tax Planning Review Meeting

1 Stop Shopping of all Financial Needs

Educational Newsletter

Come Join Us

Are you an entrepreneur or professional looking for a “one-stop shopping” financial solution to more time and meaning in your life?

Contact us today for a free consultation to see how we can best help you define and achieve your highest goals. Your confidentiality is respected.

Retire On Time™ • 3830 Packard Rd., Ste. 260 • Ann Arbor, MI 48108-2051 • (734) 975-8711 • info@retireontime.net

Securities and Advisory Services offered through NEXT Financial Group, Inc., Member FINRA/SIPC. To view NEXT Financial Group’s privacy policy and other important information, visit the “Clients” section of www.nextfinancial.com.

All entities named herein are not affiliates of NEXT Financial Group, Inc.

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