Great Service Starts With Understanding
At Rice Financial group we offer two primary styles of service for our clients, Fundamental Financial Solutions (Traditional) or Strategic Financial Planning (Ongoing). We are a fee-based, full disclosure, financial services firm. What this means is that we charge a fee for our time for our fiduciary financial planning and for the investment accounts we manage. We also get paid when our clients choose to implement insurance or investment products or services through us.
COMMON financial Planning topics
embarking on the journey
toward your goals
Financial Position
Recently moved or considering a relocation
Considering the sale of a major asset like your home, business or other real estate
Cash liability management
Changing jobs
Getting married or divorced
Adding to family though birth or adoption
Loss of a loved one
Receiving a gift or inheritance
Risk Management
Reviewing Health Savings Account contributions
Spending any remaining balances in Flexible Spending Accounts
Reviewing existing life and disability income insurance policies and coverage amounts
Reviewing assisted living needs for a parent or other family member
Reviewing any long-term care needs
Wealth Accumulations
Confirming investment goals and strategy
Reviewing asset allocation
Revisiting income and savings needs
Contributing to education accounts
Establishing savings plan for major purchase or expense goal
Tax Management*
Income tax strategies
Alternative minimum tax strategies
Capital gain/loss strategies
Retirement Planning
Retirement Planning
Social Security
Distribution planning
Funding analysis
Non-qualified plans
Analyzing tax benefits of a Roth IRA conversion
Maximizing 401(k) contributions including catch-up contributions
Maximizing IRA contributions including catch-up contributions
Establishing a retirement plan, if a business owner
Reviewing overall retirement income strategy
Estate Planning*
Using a Trust
Reviewing beneficiary designations
Planning charitable giving
Reviewing impact of any new tax laws
Reviewing estate documents (wills, trusts)
Planning for the succession of a busines
Analyzing estate tax implications
*Cambridge does not offer tax advice or legal advice. Neither Rice Financial Group nor its representatives are authorized to provide tax or legal advice. Consult your tax or legal advisor regarding your specific situation. Fixed insurance services offered through Rice Financial Group.