1. LENOX PERSONAL CFOTM
WHAT KEEPS YOU
UP AT NIGHT?
Achieving financial success does not always simplify life. In fact, affluence generally increases the complexity of the
decision-making process. The greater one’s wealth, the more time and knowledge must be invested in maintaining its
growth, protection and ultimate distribution. Lenox Advisors helps provide that solution— in an independent, objective
and integrated fashion.
FINANCIAL PLANNING Who can make sure I am sending out the appropriate
Is there a way to aggregate all my financial assets and Crummey notices each year?
track their performance and overall asset allocation? Where are all my important documents? (Deed to
How should I allocate my year-end bonus? house, tax returns, wills, etc.)
S
hould I be deferring some of my income? Are there Trust instruments I should be using?
H
ow should our assets be owned? Individual names, Living Revocable Trusts, Special Needs Trusts,
joint, tenants in common? Irrevocable Trusts, Generation Skipping Trusts, etc.
S
hould I convert all, some or none of my conventional Should I consider a gifting stategy?
IRAs to Roth IRAs?
INSURANCE
RETIREMENT PLANNING Do I have the right amount and right type of insurance?
D
o I have enough money to retire? Life; Disability Income? Are they coordinated with my
F
rom which pockets of money should I draw down first? other assets and legal documents?
D
o I have the appropriate auto/home insurance
coverages?
ASSET MANAGEMENT
How do I determine the proper deductibles?
How can I reduce the level of risk in my portfolio?
How much Umbrella Liability coverage should someone
H
ow are my various investments performing relative to have with my level of assets?
their respective benchmarks?
S
hould I allocate my IRAs, 401(k) and deferred
compensation accounts differently than my taxable TAX PLANNING
accounts? H
ow should I actively manage capital gains and losses
S
hould I diversify using hedge funds or Real Estate throughout the year?
Investment Trusts? Is there an optimal time to be exercising ISOs, NQOs?
Can I reduce the tax bill on my investments?
MONEY AND CHILDREN
ESTATE PLANNING (Lenox Money-Smart Kids™ Program)
A
re my estate planning documents (Wills, Trusts, etc.) Have we established and communicated our personal
appropriate, up to date and consistent with current financial values to our children?
tax codes? W
hen is the appropriate time to start an allowance and
Should I establish more complex estate planning what is the appropriate amount?
techniques such as GRATS, FLPs, QPRTs, IDGTs, etc.? H
ow do we teach our children about philanthropy?
Lenox Advisors. Integrating financial security into financial success.
Learn more at www.lenoxadvisors.com
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, LLC., 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, LLC 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, LLC. Services offered through Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through
MML Investors Services, LLC. CRN201206 - 136669 © 2012 Lenox Advisors, Inc. All rights reserved.