Common Thoughts
New Client
Issues to consider as a new client
What accounts should I consider if I want to save more?
Master list of goals
Important Dates and Numbers
Important numbers
Important dates
Important milestones
Frequently Asked
What documents do I need to collect for filing my 2023 tax return?
Issues to consider in a client annual review meeting
What issues should I consider when reviewing my health and life insurance policies?
What issues should I consider when reviewing my property and casualty insurance policies?
What issues should I consider when reviewing my investments?
What issues should I consider when harvesting capital losses?
What issues should I consider before the end of the year?
What documents do I need to keep on file?
What issues should I consider during a recession or market correction?
What issues should I consider at the start of the year?
Should I lease or buy my next automobile?
What issues should I consider when reviewing my RMD?
What issues should I consider when reviewing my beneficiaries?
What important issues should I consider regarding changes made by the SECURE act 2.0?
Am I at risk of having my identity stolen or being a victim of fraud?
What issues should I consider when selling my home?
Thoughts on Age
20s & 30s
As someone who is working, what issues should I consider when reviewing my tax return?
What issues should I consider when having (or adopting) a child?
What issues should I consider when buying a home?
What issues should I consider if I lose my job?
What issues should I consider to fund my child’s education?
What issues should I consider when getting married?
Should I roll over my dormant traditional 401(k)?
What issues should I consider if I get a promotion or raise at work?
What issues should I consider when starting a new job?
Should I contribute to my Roth IRA vs my traditional IRA?
What issues should I consider when paying off my student loans?
Should I consider refinancing my mortgage?
Pay Stub Review
What issues should I consider with my employer-provided benefits?
40s & 50s
As someone who is working, what issues should I consider when reviewing my tax return?
What issues should I consider for my aging parents?
What issues should I consider if I lose my job?
Is the distribution from my 529 plan subject to federal income tax?
Can I make a deductible IRA contribution?
Should I roll over my dormant traditional 401(k)?
Can I make a backdoor Roth IRA contribution?
Should I contribute to my Roth IRA vs my traditional IRA?
What accounts should I consider if I want to save more?
Should I consider doing a Roth conversion?
Should I consider refinancing my mortgage?
What issues should I consider regarding my incentive stock options?
60s
As a retiree, what issues should I consider when reviewing my tax return?
What issues should I consider if my parents passed away
Can I make a deductible IRA contribution?
What issues should I consider before I retire?
Will I avoid IRMAA surcharges on Medicare Part B & Part D?
Should I roll over my dormant traditional 401(k)?
Will healthcare change as I transition into retirement?
Am I eligible for social security benefits if I have been divorced?
Will my social security benefits be reduced?
Can I make a back door Roth IRA contribution?
Should I consider doing a Roth conversion?
What issues should I consider if I experience a sudden wealth event?
What issues should I consider when establishing my charitable giving strategy?
Should I take my pension as a lump sum?
What issues should I consider with my social security retirement benefits?
70s & Wiser
As a retiree, what issues should I consider when reviewing my tax return?
What issues should I consider before I update my estate plan?
What issues should I consider when reviewing my estate plan documents?
What issues should I consider if my spouse passed away?
What issues should I consider if my spouse has been diagnosed with a terminal illness?
Am I eligible for social security benefits as a surviving spouse?
Can I do a qualified charitable distribution from my IRA?
Should I use a donor advised fund (DAF) when giving to public charities?
Should I consider refinancing my mortgage?
Should I change my Medicare coverage during open enrollment?
What issues should I consider when establishing my charitable giving strategy?
Thoughts by Topic
Considering Cash Flow
What accounts should I consider if I want to save more?
What issues should I consider if I experience a sudden wealth event?
Should I take my pension as a lump sum?
What issues should I consider when starting out financially?
What issues should I consider when reviewing cash flow?
What issues should I consider when funding an unexpected expense?
What issues should I consider when dealing with high inflation?
Where should my next dollar go?
Considering Debt
What issues should I consider to fund my child’s college education?
What issues should I consider when paying off my student loans?
Am I eligible for an IDR plan for my federal student loans?
Should I consider refinancing my mortgage?
What issues should I consider when funding an unexpected expense?
What issues should I consider when funding an unexpected expense?
Should I pay off my mortgage?
Should I pay off my debt(s)?
Planning for College
Is the distribution from my 529 plan subject to federal income tax?
What issues should I consider to fund my child’s college education?
What issues should I consider when paying off my student loans?
Am I eligible for an IDR plan for my federal student loans?
Caring for Loved Ones
What issues should I consider for my aging parents?
What issues should I consider if I lose my job?
What issues should I consider if my parent passed away?
What issues should I consider if my spouse has been diagnosed with a terminal illness?
What issues should I consider if my spouse passed away?
Am I at risk of having my identity stolen or being a victim of fraud?
Considering Family
What issues should I consider when having (or adopting) a child?
What issues should I consider when getting married?
What issues should I consider if my spouse passed away?
What issues should I consider if my spouse has been diagnosed with a terminal illness?
Should I consider refinancing my mortgage?
What issues should I consider when starting out financially?
What issues should I consider for my child with special needs?
What issues do I need to consider as my child becomes independent?
Considering Divorce
What issues should I consider during my divorce?
Am I eligible for social security benefits if I have been divorced?
CONTACT US
119 North Main Street
Eaton Rapids, MI 48827
PHONE: 517-663-4204
TEXT: 517-836-1630
EMAIL: [email protected]
Advisory Services are offered through Investment Advisor Representatives of Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser.
Securities are offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC.
Cambridge and Vanator Financial Services LLC are not affiliated. Cambridge and Latchaw Financial Services are not affiliated.
This communication is strictly intended for individuals residing in the states of Arizona, Florida, Indiana, Michigan, and Texas. No offers may be made or accepted from any resident outside the specific states referenced.
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