stBM(2,"basic1",[0,"","","blank.gif",0,"left","default","hand",1,0,15,540,-1,"solid",0,"#AFAFAF","transparent","","repeat",1,"","",0,0,0,"line_def0.gif","line_def1.gif","line_def2.gif","line_def3.gif",1,0,3,9,"center",0,0]);
stBS("p0",[0,0]);
stIT("p0i0",["Personal Financial Statement Evaluation","","_self","","","grayfolded_f.gif","grayfolded_uf.gif",16,16,"11pt 'Century Gothic'","#006600","none","transparent","","no-repeat","11pt 'Century Gothic'","#000000","none","transparent","","no-repeat","11pt 'Century Gothic'","#006600","none","transparent","","no-repeat","11pt 'Century Gothic'","#000000","none","transparent","","no-repeat",1,0,"left","middle",0,0]);
stBS("p1",[],"p0");
stIT("p1i0",["This analysis is an overview of your total assets (liquid & non-liquid) and your \r\ntotal liabilities. The difference is your Net Worth. This analysis provides you \r\nwith information similar to a balance sheet and is helpful in determining how \r\n\"liquid\" your net worth is in case of emergency.\r\n    ",,,,,"","",0,0,"9pt 'Century Gothic'","#666666",,,,,"9pt 'Century Gothic'",,,,,,"9pt 'Century Gothic'","#000000",,,,,"9pt 'Century Gothic'","#666666"],"p0i0");
stES();
stIT("p0i1",["Education Funding"],"p0i0");
stBS("p2",[],"p0");
stIT("p2i0",["Planning for a child or grandchild’s college education is an important part of many \r\nfamilies’ financial plan. Unfortunately, most families don’t save enough, or start \r\nsaving too late to be able to fully pay for a four year education. This analysis \r\nconsiders such factors as: the increasing cost of public and private education, \r\ngeneral economic inflation, and the age of the child. The result provides the \r\nclient with specific amounts to save on a monthly, annual, or lump-sum basis \r\nfor the child’s education, assuming a conservative annual return. Marquis also \r\nconsults on the various tax-advantaged options available for education savings,\r\nincluding: Education IRAs, State 529 plans, and UTMA/UGMA accounts.\r\n   "],"p1i0");
stES();
stIT("p0i2",["Life & Disability Insurance"],"p0i0");
stBS("p3",[],"p0");
stIT("p3i0",["While most people are familiar with life insurance, many aren’t sure if they need \r\nto buy a policy, or if the policy they already have provides enough coverage. \r\nDisability Income insurance is often overlooked unless it is provided by an employer, \r\nbut is sometimes the most important type of insurance a client needs. This analysis \r\ntakes into account any current insurance policies the client owns, and determines \r\nfirst, if the policy is the right type of policy for the client, and second if the policy \r\nprovides adequate coverage. As a part of the analysis, we will make \r\nrecommendations, and as necessary assist the client in the purchase of \r\nadditional insurance.\r\n    "],"p1i0");
stES();
stIT("p0i3",["Retirement Forecasting"],"p0i0");
stBS("p4",[],"p0");
stIT("p4i0",["For most clients, retirement planning is the core of their financial plan. The key \r\nquestion we attempt to answer is: When can the client retire, and how much \r\nincome will their investments provide them at that time, while still being reasonably \r\nassured that their savings will last throughout their retirement? As a part of the \r\nretirement analysis, we consider all retirement savings and investment accounts, \r\ncompany pension plans, and social security as sources that can be used to meet \r\nthe client’s income needs. We further consider a moderate rate of inflation and \r\na conservative rate of annual return on the client’s assets to arrive at the answer. \r\nBased upon the assumptions we have made in conjunction with the client, we \r\nwill then work to fine-tune the retirement analysis and make adjustments to \r\n(if necessary) arrive at the intersection between what is desired and what \r\nprovides a reasonable probability of success.\r\n    "],"p1i0");
stES();
stIT("p0i4",["Estate Planning"],"p0i0");
stBS("p5",[],"p0");
stIT("p5i0",["There are certain estate planning documents every person should have. As a \r\npart of the financial plan, we review any estate planning documents you already \r\nhave and offer our recommendations for making sure at least a basic estate plan \r\nis in place. Then depending upon the projected size of the estate, we will offer \r\nadditional recommendations for minimizing any potential estate tax. If necessary, \r\nwe will refer the client to a local estate planning attorney to draft any new \r\ndocuments.\r\n    "],"p1i0");
stES();
stIT("p0i5",["Long-Term Care Insurance Needs"],"p0i0");
stBS("p6",[],"p0");
stIT("p6i0",["Health Insurance & Medicare are designed to cover short-term care and \r\nrehabilitation and Medicare is only available if you\'re 65 & over. For clients \r\nunder age 65, long term disability insurance is likely one solution. But as clients\r\nnear retirement age, or for those who are already retired, long term care \r\ninsurance needs to be considered. We take into account all possible sources \r\nof income to pay for an extended rehabilitation or assisted-living or nursing \r\nhome stay, and then determine if the client could reasonably pay for those \r\nexpenses out of their accumulated savings. While this knowledge is helpful \r\nto the client, we will always present every available option for their \r\nconsideration. This includes long term care insurance, which, when purchased \r\nat the proper time, can provide much-needed additional income in the event \r\nof a long-term disability, illness, or cognitive impairment. For clients who do \r\nnot have enough assets to cover these potentially high expenses, long term \r\ncare insurance can provide peace of mind for the client and their families. For \r\nthose clients who are fortunate to have a large enough asset base to meet \r\nany potential medical need, long term care insurance is one possibility of \r\nensuring that the client will be able to pass some of their wealth to their \r\nheirs, favorite charity, or as they otherwise choose. \r\n    "],"p1i0");
stES();
stES();
stEM();