For internal Skylight Financial Group use only.  Not to be shown or distributed outside the firm.

​Comprehensive Financial Planning: 6 Key Areas

Financial Position
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• Know your current net worth
• Track your current income & expenses
• Manage your debt
• Project your current net worth income & expenses

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Adequate Protection
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• Help provide for survivors in case of premature death
• Help protect a portion of income lost if disabled
• Help protect your ability to meet your accumulation goals
• Help protect your ability to pay off outstanding debt

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Wealth Accumulation Strategies
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• Create & maintain adequate cash reserve strategies
• Provide for education expenses
• Buy a house or vacation home
• Review your investment portfolio

Retirement Planning​
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• Help ensure adequate retirement income
• Government benefits
• Employee benefit plans
• Personal savings & investments

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Tax Reduction Strategies​
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• Help Minimize federal & state income taxes
• Help protect against future income tax liabilities
• Help develop long term tax reduction strategies

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Estate Planning​
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• Determine Exposures to estate & inheritance taxes
• Outline appropriate estate planning vehicles