- Asset Analysis, Reports, and Consultation - SDM can provide financial statements that include a financial summary and cash flow statement. We can analyze these items to evaluate the client’s current situation and to help build a financial road map for the future. SDM may also consolidate account information such as account titling, account numbers, cost basis, inception dates, market values, and interest and dividend earnings where such information is available.
- Investment Planning, Asset Allocation, and Fund Choice - We provide asset allocation and investment income accumulation techniques. We evaluate investments in terms of their suitability for meeting the client’s objectives.
- Insurance Planning - We help our clients create personal risk management plans using a combination of insurance products including life, health, disability, home, auto, and long-term care coverage.
- Retirement Planning - We offer clients alternatives and techniques for accumulating wealth for distrubuting assets during retirement. We also evaluate self directed retirement asset not in custody. Although SDM is not engaged in rendering legal or accounting advice (we have no practicing lawyers or accountants on staff) we can refer our clients to other professionals for their legal or tax needs.
- Estate Planning - SDM offers advice related to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. We can also discuss gifts, trusts, and the disposition of businesses. Tax consequences and their implications are identified and evaluated in general terms. The client’s licensed attorney, must be consulted to confirm the stategy and create legal documents.
- College Planning - We offer alternatives and strategies for complete or partial education funding. Tax consequences and their implications are identified and evaluated in general terms.
- Tax Planning - Tax planning is referred to the client’s chosen personal tax advisor. SDM may offer advice on how tax laws may affect various financial decisions, for example, acquisitions, pension strategy, investing in new opportunities or consolidation of existing investments, and individual taxation issues.
- Consolidation of Financial Statements- As a result of performing some or all of the services listed above, SDM may be able to recommend strategies or methods for consolidating the client’s financial situation so that our clients can manage their financial situation more easily and to obtain efficiency, cost savings, and diversification.