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The Meritage Planning Process

  • A simple questionnaire gathers pertinent financial and lifestyle information and a personal discussion fills in the gaps.
  • A look at all current investment accounts, current earnings and income sources, thoughts about a retirement time frame, estimates on current spending and liquidity needs, plans for other items (travel, gifting, educational needs, second homes, health care, etc.)
  • Discussion about longer-term goals (i.e. targeted funds to leave to children) and dealing with periodic market declines, especially after income flows have diminished.
  • A detailed cash flow schedule for every year of the plan, showing sources of income, the impact of taxes, and how living expenses are supported.
  • Analysis showing the probability and impact of investment returns that either exceed or fall short of expectations.
  • Most importantly, when this is completed, we sit down with you to review what all of this means.
  • Regularly discussing how your life continues to evolve and change over the years both personally and financially.
  • The ability to modify the plan over time to reflect changing circumstances or run “what if” scenarios to see the impact of changing assumptions, such as spending patterns or taking different levels of risk.
  • Legacy planning so you can decide the best fits for your wealth in your lifetime and beyond.

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