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CASH FLOW MANAGEMENT - the
process of monitoring, analyzing, and adjusting your personal or your
business’ cash flow. This includes an analysis and development of
strategies to maintain an adequate cash flow.
JMA
will assist in the development of income and expense plans for clients
desiring structured cash flow counseling in order to facilitate maximum
liquidity and wealth accumulation.
- FINANCIAL STATEMENTS -
preparation of written reports summarizing the financial status of
assets, liabilities, net worth, and cash flow for a stated period of
time.
Personal Financial Statements are an important tool for
identifying and monitoring overall assets, liabilities, and net worth,
as well as, for the evaluation of estate planning goals. They are often
critical when applying for loans, considering business and investment
decisions and in other circumstances such as marital separation or
divorce.
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- TAX PLANNING - tax
projections and planning strategies throughout the course of the
engagement that take into account the tax impact of various
recommendations regarding changes in client circumstances,
compensation, exercise of benefit options, investment gains and losses,
etc.
We will provide any necessary information for income tax return preparation to the client’s accountant.
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- EDUCATION FUNDING -
development of cost projections and funding mechanisms, such as College
529 Plans, and various other investment alternatives to achieve
education funding objectives. We analyze investment options and tax
implications for both the contributors and the beneficiaries of the
funds and assist in implementing the desired plan.
- INSURANCE PLANNING -
review and recommendations regarding life, health, and disability
insurance coverages for the protection of individuals and their
families.
JMA will work closely with the client’s existing insurance providers or will make referrals where appropriate.
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- COMPENSATION & EMPLOYEE BENEFIT PLANNING
- review and analysis of compensation and benefits with emphasis toward
integrating into all areas reviewed and advised upon. Additional
emphasis on financial and tax impact of exercise of options with
respect to company benefits offered by employers.
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