You have an estate plan with much of the proper documentation established.

It is likely that you need to work with an attorney to develop a more robust estate plan, including a will or trust, healthcare power of attorney, durable power of attorney, and a living will. We could help you design those documents in a way that reflects your wishes, all included in our fee.

You have clarity on how you're estate will be handled upon your passing

It is likely that you need an estate plan that provides clarity on how your belongings will be distributed when you pass. This is part of the work we do for each of our clients in our estate planning process.

You're reviewing your estate plan regularly to ensure it accurately reflects your current wishes.

It is possible that your estate plan needs reviewed and/or updated. We'll help you gather your documents, review what you have in place, and seek to ensure it accurately reflects your current financial situation and desires.

You have an integrated estate plan that will create efficiencies in your financial planning today and for your beneficiaries.

It is possible that your estate plan does not appropriately consider your tax situation, insurance needs, or your investment strategy. When this is the case, you could be left with an inefficient and sometimes even ineffective estate plan.

You have clarity on your tax situation, which gives you peace of mind.

It is likely that you would benefit from a more proactive tax plan that gives you clarity on your tax situation throughout the year. At Wealthquest, our in-house tax team works with you and the rest of your Wealthquest advisors to coordinate a strategic tax plan that strives to align with your goals.

You are proactive about maximizing the right tax reduction strategies each year.

You would likely benefit from a more thorough approach to evaluating tax reduction strategies available to you.

You are not just prioritizing tax savings this year, but optimizing for long-term tax efficiency, which is a wise way to approach tax planning.

It is likely that you would benefit from developing a comprehensive tax plan. Creating a strategic tax plan can not only save you money in the current tax year, but often can have a substantial long-term impact.

You have clarity on how your investments impact your taxes, allowing you to make educated decisions in your investment portfolio.

It is likely that your financial situation could be improved by developing a tax plan that is integrated with your investments. Your investment portfolio can have a significant impact on your tax liability now and in the future.

You have a defined investment strategy and your investment accounts are all aimed at achieving your long-term goals.

It is likely that you would benefit from defining a clear investment strategy that is aligned with your goals. Without a clearly defined investment strategy, you could have too much exposure to certain sectors in the market, or be missing out on opportunities in others. This can lead to underperformance and heightened volatility in your portfolio.

You have a proactive tax optimization strategy that creates efficiencies in your portfolio and will have a substantial long-term impact on your financial situation.

You would likely benefit from a more tax-optimized investment strategy. Taking advantage of strategies like tax-loss harvesting, asset location, and periodic rebalancing will help you create significant tax efficiencies in your investment portfolio, and could lead to better long-term performance. Our in-house tax team collaborates with our investment committee to help ensure these strategies are implemented appropriately.

You have a tax-diversified portfolio, which can help you create tax-efficient income in retirement.

You would likely benefit from a more strategic asset location strategy. Holding assets in accounts with different tax treatment (pre-tax, tax-free, and taxable) allow you to better control your tax liability when you go to access those dollars in the future. This is especially important for retirees looking to minimize taxes while taking distributions to live off of.

You have a sound investment strategy that can remain steady through various market cycles. This long-run approach to investing will pay dividends (pardon the pun).

It is likely that you would benefit from staying the course with a clear investment strategy that is aligned with your goals regardless of market cycles. Constantly changing your investment strategy during volatile markets can lead to missed opportunities and underperformance. History demonstrates that 'time in' the market, not 'timing' the market is most efficient path for achieving constant and durable investment returns.

You have clear goals that drive your financial decisions and you know where you stand in achieving them.

You would likely benefit from setting clear short-term and long-term financial goals, and evaluating your progress towards them regularly. Without clearly defined goals that you're reviewing often, it's hard to feel confident about the direction of your financial life. Every good financial plan starts with clearly defining your short-term and long-term goals, and success should be defined by your progress towards those goals.

You have clarity on your income and expenses, which allows you to make confident decisions about both emergencies and luxuries.

It is likely that you need to get clarity on your income and expenses. This allows you to make confident decisions about both emergencies and luxuries. While it is a simple exercise, clarity here can give you tremendous confidence in your financial situation.

You are not only generous, but you are making sure that generosity is having the most impact it could for the causes you care about.

It is possible that you would benefit from a more tax-optimized charitable giving strategy. While this is not the main purpose of generosity, it does leave more money in your pocket and can deepen the overall impact your generosity can have.

You have protected your loved ones financially against potential changes in your or your spouse's health.

It is likely that you need to review your insurance planning. Insurance planning isn't a fun topic of discussion, but it's critical for every family to consider. Protecting your loved ones against the risk of uncontrollable changes in you or your spouse's health is an important aspect of a comprehensive financial plan. It's likely that we need to make some updates to your insurance planning.