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PFC Comprehensive Financial Planning

PFC provides in-depth personal financial planning with an experienced professional staff of CPA’s, financial planning specialists and attorneys. Our planning addresses the areas of employee compensation, income tax, investments, estate and budget planning, debt and insurance planning.

The following illustrates some of the areas which our planning addresses:

  • Investment Planning - Recommendations on the restructuring of investment portfolios. Introduction to conventional and non-conventional investment vehicles, layering of portfolio.
  • Estate Planning - Specific recommendations with respect to the structure of the estate, flow of assets, beneficiary designation, title of property, gifting strategies, community property vs. joint tenancy, living trusts, permanent trusts, assignment of life insurance policy ownership.
  • Tax Planning - Complete audit of prior years’ tax returns. Projections of income taxes for future years. Advice with respect to tax sheltering. Withholding Analysis.
  • Business Management
  • Retirement Planning - Preparation of appropriate capital sufficiency analysis incorporating multiple retirement dates with varying assumptions regarding income streams.
  • Insurance Planning - Complete objective review of insurance package with recommendation towards increasing or decreasing coverage.
  • Real Estate Investment Planning
  • Employee Benefits - Provide an approach to incorporate tax and investment parameters to assist the executives in exercising stock options and other employee benefits.

For the High Net Worth Individuals

One of the professional counselors will be assigned to assist each client in the planning process and to ensure that meaningful assumptions are made, concrete and realistic goals are set, problems and alternatives for their solution are identified. PFC provides extensive implementation and follow-up services.

As an Employer Financed Benefit

Counseling is provided directly to the participating executives and is confidential. One of the professional counselors will be assigned to assist each executive in the planning process and to ensure that meaningful assumptions are made, concrete and realistic goals are set, problems and alternatives for their solution are identified. PFC provides extensive implementation and follow-up services.