✓ Investment strategies aligned with your goals

✓ Risk assessment

✓ Ongoing portfolio tracking and performance reviews

✓ Tax loss harvesting

✓ Direct Indexing

✓ Employer plan portfolio guidance

✓ Tracking and prioritizing your goals with clarity

✓ Membership access designed for you and your partner

✓ Mobile app access for additions or withdraws

✓ Unlimited messaging with your financial planner

✓ Zoom onboarding with your planner

✓ Ongoing Planning Zoom Calls with your Planner

✓ Estate planning education and guidance

✓ Full suite of state-optimized documents

✓ Last will & testament

✓ Revocable trust & pour-over will

✓ Financial power of attorney

✓ Advanced healthcare directive

✓ Nomination of guardianship

✓ Unlimited access, make updates anytime

✓ Identify coverage gaps

✓ Employer-sponsored insurance support

✓ Comprehensive planning before and after retirement

✓ Strategic tax-efficient contributions and withdrawals

✓ Personalized savings and investment strategies

✓ Thorough goal-setting and income analysis

✓ Strategic recommendations to reduce your tax burden

✓ Guidance on tax-efficient education savings plans

✓ Analysis of missed opportunities from last year’s tax return

✓ Tailored Roth conversion strategy recommendations

✓ Customized tax withholding evaluation

✓ Taxable account diversification tailored to your goals

✓ Insights on maximizing tax credits and deductions

✓ Tax-saving withdrawal strategies for retirement accounts

✓ Flames partnership with the tax professional who completes your tax return. Flames FP covers personal tax returns only (W2s & 1099s). If you have concerns or a more complicated return, please let us know in the introduction call.

✓ Speaking with your kids about what colleges or majors they should consider

✓ Reviewing college costs overtime and reviewing your family education goals

✓ Using a mix of 529 & UTMA’s for education funding

✓ Understand the trade-offs of financial decisions and actions to take to balance living a good life today AND in the future

✓ Watching over your blind spots

✓ How much you should save and invest

✓ Cashflow management

✓ Debt management