Annual Retainer Services

Lough Annual Retainer Services, offers services by fee-only retainer. After meeting with a potential client we make a proposal of first year services and quote an all-inclusive fee for the retainer based on income, net worth and complexity.

Below is a sample of some of the services we provide on an annual retainer.

Financial Planning

• Goal setting and objective identification / prioritization
• Retirement planning to ensure income now and later
• Cash flow planning to avoid shortages and meet goals
• Education expense planning to ensure adequate funds
• Assessment of real estate ownership costs and benefits
• Mortgage and debt analysis to minimize after tax costs and assess proper leverage
• Stock option analysis to maximize potential and minimize risk
• General financial counsel and advice for decision-making
• Investment Advisory or Management
• Portfolio inventory and analysis to measure state of affairs
• Asset re-allocation to maximize return per unit of risk
• Investment policy design to maintain investment objectives
• Identify specific investments and/or managers for use in portfolio
• Use of tax and expense efficient investing for maximum portfolio growth
• Consolidated quarterly performance statements for benchmarking and re-allocation

Taxes

• Tax projection and planning for tax minimization and strategy identification
• Analysis of applicable tax strategies
• Individual, estate, and trust tax preparation
• Identifying mistakes and amending prior years' returns to get refunds
• Audit representation
• Tax preparation

Insurance

• Life, disability and long-term care needs analysis for proper coverage levels
• Property and casualty insurance inventory to check on gaps and fluff
• Employee benefits and medical insurance selection assistance
• Personal property inventory in case of claims
• Estate Planning

Coordination of drafting and executing of Revocable Trusts, Wills, Power of Attorneys, and Directives, Education, illustration, and implementation of Charitable Trusts, Irrevocable Trusts, Valuation Discounts