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Category
LFA Advisors
Other Advisor(s)
Do-It-Yourself
Credentials
CPA, CFP, PFS, NAPFA, Cambridge Advisor
Compensation Method
FEE ONLY
BASICS
Registered Investment Advisor
YES
Products Sold
NONE
Committed to Client Education
YES
Comprehensive Net Worth Evaluation (including real estate)
Evaluation of Savings Rate & Tax Efficiency
SCORECARD
Good Debt and Bad Debt Evaluation
YES
Credit Score Education
Evaluation of UnderPerforming Assets
Liquidity Management
Understanding of Income & Expenses
Simplified Bank & Brokerage Account Structure
CASH MANAGEMENT
Budgeting Assistance
YES
Credit Counseling
Debt Restructuring
Bankruptcy
Short/Long Term Goal Setting & Prioritization
GOALS
Understanding Probability of Achieving Goals
YES
Annual Review of Goals and Progress Achieved
Evaluation of Savings Needed to Achieve Financial Independence
Evaluation of Cash Flow
Estimation of Timeline to Independence
FINANCIAL INDEPENDENCE
Probability of Achieving Independence Goals
YES
Tax Management of Retirement Account
Periodic Review of Asset Allocation
Periodic Review of Investment Strategy
Evaluation of Various Risk Exposures
Strategy to Mitigate Risk of Exposures
Evaluation of Current Insurance Needs:
-Income Replacement (Life/Disability/Buy/Sell)
RISK MANAGEMENT
-Health: Medical/Dental/Long Term Care
YES
-Property: Auto/HomeOwner/Estate Planning
Recommend Changes in Coverage (if needed)
Adjust Insurance (if needed)
Review & Manage Employee Benefit Plans
Category
LFA Advisors
Other Advisor(s)
Do-It-Yourself
Risk Tolerance Analysis
Investments with Proper Asset Allocation
Devise Investment Strategy
YES
INVESTMENT STRATEGY
Support Execution of Investment Strategy
Periodic Review of Asset Allocation
Periodic Review of Investment Strategy
Legal Strategies to Minimize Tax Liability
Strategize: Investment & Real Estate Taxes
Education: Effective & Marginal Tax Rates
TAX MANAGEMENT
Education: Recordkeeping/Retention
Income Tax Projection
YES
Monitoring Estimated Payments & Withholdings
Prepare Tax Returns
Evaluation of Past Returns for Amendments
Coordinate with Tax Authorities if Audited
Education: High-Level Estate Planning
Assess Estate Planning Goals
Coordinate with Estate Planning Attorneys
ESTATE PLANNING
Ensure Beneficiary Designation is Sound
Evaluation of Current & Potential Estate Tax
YES
Strategis to Minimize Estate, Gift & GSTT
Evaluate Means to Fund Estate Tax Burdens
Facilitate Charitable Giving Intent
Ongoing Review of Estate Planning
Review & Education: Compensation/Benefits
SPECIALIZATIONS
Evaluate: How Plans Align with Overall Goals
YES
Help Small Business Clients Strategize
Retirement/College/Marital Change/Real Estate/Monetary Settlement/Eldercare