1. May 2011
Financial-Planning.com
breaking away
Greg Olsen
Lenox Advisors, New York

2. What Keeps You Up At Night?
Financial Planning
Is there a way to aggregate all my financial assets and track their performance and overall asset allocation?
How should I allocate my year-end bonus?
Should I be deferring some of my income?
How should our assets be owned? Individual names, joint, tenants in common?
Should I convert all, some or none of my conventional IRAs to Roth IRAs?
Retirement Planning/College Education Planning
Do I have enough money to retire?
From which pockets of money should I draw down first?
Asset Management
How can I reduce the level of risk in my portfolio?
How are my various investments performing relative to their respective benchmarks?
Should I allocate my IRAs, 401(k) and deferred compensation accounts differently than my taxable accounts?
Should I diversify using hedge funds or Real Estate Investment Trusts?
Can I reduce the tax bill on my investments?
Estate Planning
Are my estate planning documents (Wills, Trusts, etc.) appropriate, up to date and consistent with current tax codes?
Should I establish more complex estate planning techniques such as GRATS, FLPs, QPRTs, IDGTs, etc.?
Who can make sure I am sending out the appropriate Crummey notices each year?
Where are all my important documents? (Deed to house, tax returns, Wills, etc.)
Are there Trust instruments I should be using?
Living Revocable Trusts, Special Needs Trusts, Irrevocable Trusts, Generation Skipping Trusts, etc.
Insurance
Do I have the right amount and right type of insurance?
Life; Disability Income? Are they coordinated with my other assets and legal documents?
Do I have the appropriate auto/home insurance coverages?
How do I determine the proper deductibles?
How much Umbrella Liability coverage should someone have with my level of assets?
Tax Planning
How should I actively manage capital gains and losses throughout the year?
Is there an optimal time to be exercising ISOs, NQOs?
Money and Children (Lenox Money-Smart Kids™ Program)
Have we established and communicated our personal financial values to our children?
When is the appropriate time to start an allowance? What is the appropriate amount?
How do we teach our children about philanthropy?
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The information provided is not written or intended as tax or legal advice and my not be relied on for purposes of avoiding any Federal tax penalties.
Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services
through MML Investors Services, Inc., 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives
of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML
Investors Services, Inc. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary
of National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, Inc. Services offered
through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, Inc.
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