This analysis will help you determine whether your income will be sufficient to meet your expenses throughout your lifetime. We will also discuss tax issues and the effects of taking distributions from the different types of retirement plans you might have. The Investment Planning Analysis focuses on the specific stock, bond, and cash investments that are appropriate for your situation. The Retirement Planning Analysis is a detailed cash flow analysis that examines whether your current assets and income sources will be sufficient to meet your spending needs during your lifetime. Those who are seeking investment advice should consider the Investment Planning Analysis, while those who are concerned about the sufficiency of their assets throughout retirement may prefer the Retirement Planning Analysis.
Estate planning is a concern for a growing number of people.
Many people who own homes and have moderate financial assets and life insurance may be leaving significantly less to their beneficiaries than they had planned because of the bite of federal estate taxes. The Estate Planning Analysis answers the question of whether your estate would be subject to federal estate taxes and makes recommendations on how to minimize those taxes. We can discuss with your attorney which legal documents are appropriate for you. Vanguard Asset Management and Trust Services also offers several trust management arrangements that provide objective, professional service to make sure your trust is properly administered. Our fees are based on the value of the assets under management.