A thoughtfully constructed financial plan takes a holistic approach to better align long-term financial goals and seek to optimize your wealth for both the present and the future.
Our 2025 Financial Planning Guide highlights opportunities for strategic tax, gifting and retirement planning, especially in light of evolving tax policies and interest rates. Our extensive guide helps individuals answer key planning questions among many planning areas.
Tax & Charitable Planning
- What does a new presidential administration and a new Congress imply for tax policy? What changes should I anticipate for tax planning purposes?
- How can I accomplish my charitable planning goals in a manner which also takes advantage of tax savings?
Investment Planning
- Is my portfolio adequately diversified?
- Does my portfolio’s construction align with my return needs and tolerance for risk?
- Is my portfolio structured to minimize ‘tax drag’?
Retirement Planning
- Am I on track for a comfortable retirement?
- Is the “4% spending rule” still relevant? Are there other withdrawal rates I should consider as it relates to my retirement income needs?
Social Security & Medicare
- When can I file for Social Security benefits? What happens if I file ‘early’?
- What does Medicare cover? How should I think about Original Medicare vs. Medicare Advantage?
Estate Planning
- Why is estate planning important?
- Do my estate plans need to be updated?
- How much can I give away during my lifetime, and do I have the financial capacity to make more meaningful gifts?
Insurance Planning
- Is my life insurance coverage sufficient? Do I still need life insurance?
- Is my property & casualty insurance coverage sufficient? Does my current insurance have any gaps? Are there potential liabilities I’ve overlooked?
Cybersecurity
- What can I do to better protect my personal information?
- What should I do if I suspect that I’ve been a victim of identity theft?
Our private client team at Fiducient Advisors is equipped to help high net worth families address these and other planning considerations, with a financial plan focused on what matters most to you. To find out how Fiducient Advisors can help you, please contact us.
The information contained herein is confidential and the dissemination or distribution to any other person without the prior approval of Fiducient Advisors is strictly prohibited. Information has been obtained from sources believed to be reliable, though not independently verified. Any forecasts are hypothetical and represent future expectations and not actual return volatilities and correlations will differ from forecasts. This report does not represent a specific investment recommendation. The opinions and analysis expressed herein are based on Fiducient Advisor research and professional experience and are expressed as of the date of this report. Please consult with your advisor, attorney and accountant, as appropriate, regarding specific advice. Past performance does not indicate future performance and there is risk of loss.
