•Cash flow projections •Change in lifestyle guidance & updates •Debt management and consolidation •Mortgage analysis •Real estate purchase analysis •Expense management •Explain various components of cash flow (income, taxes, expenses) •Financing and funding analysis •Goal prioritization & accountability •HSA contributions strategies •Major purchase goal analysis •Personal financing strategies •Provide financial guidance/planning for special circumstances – divorce, disability, job loss, special needs, monetary windfall, etc. •Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning •Refinance scenarios •Savings strategies •What if scenarios

•Deferred comp funding and distribution •NUA Strategies •Risk concentration strategies •Stock option analysis •Tax efficient exercise and vesting strategies

•Beneficiary review •Charitable planning strategies •Estate tax analysis •Explanation of estate planning structures/documents – wills, POA, Trusts, etc. •Explanation of general taxation issues of trusts and estates – filing requirements, deadlines, etc. •Explanation of types and treatment of trust income - accounting, taxable, distributable •Family financial education •Fiduciary positions including executor, trustee, co-trustee, success trustee, etc. •Generational estate transfer planning strategies •Gifting strategies •Guidance on ownership titles and titling of assets •Health Care Directives •Explanation of private annuities and family loans •Ongoing trust review •Sources of estate liquidity •Special needs planning •Trust planning and education •Wealth transfer scenarios

•Account aggregation maintenance •Annual financial plan updates •Client progress reporting •Ongoing education of financial concepts •Financial document storage and organization •Assistance of the implementation of plan recommendations •Life event updates •Updated investment and plan assumptions

•Business use of insurance •Business value consulting •Buy/Sell agreement analysis •Cash flow analysis •Cash flow and income statement analysis •Cash management •Deferred compensation plan analysis •Employee benefit and retirement plan strategies •Employee benefits planning •Entity structuring education •Financing strategies •Intra-Family and other business transfer techniques •Succession or exit planning

•Annual portfolio review •Asset allocation selection •Dollar cost averaging strategies •Investment policy statement development •Ongoing risk tolerance assessment •Product research •Rebalancing strategies

•Asset dissipation strategies •Assist in the coordination of retirement plan service providers •Beneficiary designation planning •Contribution limits planning •Contribution strategies •Education on various retirement plans •Employer benefits review •Employer plans vs. self directed plans •Identifying income in retirement •Investment consulting with plan sponsor investment committee •Pension plan administration or record keeping services •Plan participant asset allocation and investment recommendations •QLAC Strategy Review •Retirement funding strategies •Retirement needs analysis •Retirement plan choices (IRA, SEP, etc.) •Retirement plan strategies and coordination •Retirement plan stress testing •RMD or 72t calculations and explanations •RMD strategies •Rollover options •Social security & medicare planning

•Cost basis review & analysis •Delivering accounting opinion •Discuss and educate on employee stock options basics, ISOs, NSOs, •planning strategies, etc. •Identifying AMT issues •Income tax illustrations and analysis •Income taxation of life insurance and annuity products •Investment cost basis research and reporting •Itemized deduction review •Non-qualified deferred compensation programs •Well-positioned tax strategies •Qualified charitable distributions •Retirement and HSA deductible contributions •Roth conversions •Tax diversification strategies •Tax implications of various stock plans – Restricted, phantom, SARs, ESPP •Tax law changes and projections •Tax loss harvesting •Tax-managed investments strategies

•Annuity Income Analysis •Asset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record) •Business liability review •Cyber risk awareness •Disability and health insurance analysis •Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement •Existing policy review •Liability & Umbrella Insurance analysis •Life insurance planning •Long term care planning •Planning for unforeseen risks •Income analysis from insurance policy loans •Property and casualty insurance analysis •Risk exposure analysis •Survivorship income planning