financial planning services, personal insurance, san antonio

financial planning services, personal insurance, san antonio

financial planning, tax planning, san antonio

         Fees & Disclosures

         Pre-Consultation Worksheet

         Sample Financial
         Planning Engagement

wealth management, retirement planning, san antonio

         401 (k) or 403(b) Review

         Annuities/CDs Review

         Asset Protection

         Charitable Planning

         College Funding/529 Plans

         Debt Reduction Strategies

         Estate Planning

         Family Limited Partnerships

         Financial Planning

         Insurance Advisory

         Investment Advisory

         Private Foundation

         Retirement Planning

         Social Security

financial planning, investment advisor, san antonio

financial planning, financial advice, san antonio

estate planning, financial advisor, san antonio

estate planning, financial advisor, san antonio

Financial Life Advisors’ estate planning services are far beyond straightforward, financial analysis. This planning area requires a special sensitivity to the dynamics of your entire life—family, finances, business, lifestyle, and goals.

We routinely visit with you to help you identify and clarify your goals, explain projected tax and other consequences, and recommend alternative strategies.

Our primary goal is to help you identify and clarify your estate planning goals.

Most individuals have goals that center on preserving and directing the disposition of their assets, while reducing the potential estate tax liability and providing for adequate liquidity.

Our approach includes such activities as:
•   Analyzing your current financial situation
•   Gaining knowledge of your non-financial situation (family, business)
•   Identifying any anticipated assets (remainder interests, life insurance
    proceeds, potential inheritances)
•   Determining estate liquidity needs
•   Reviewing asset titling
•   Reviewing relevant documents (existing wills, trusts, insurance policies,
    retirement plans)
•   Reviewing current beneficiary designations to make sure they are
    consistent with the estate plan.

Developing Estate Planning Strategies
After reviewing your goals, assets, liquidity, legal documents, and other aspects of your life, we develop and evaluate alternative strategies that, based on available resources and other constraints, are designed to fulfill your estate planning goals.

Coordinating the Estate Planning Team
As just one of the professional on your estate team, we think it is important to periodically coordinate with the other various members of your estate planning team—attorneys, insurance brokers, investment professionals, actuaries, appraisers—to ensure that your strategies are properly implemented.

Implementing and Monitoring
We often take the role of assisting you on the implementation of your various recommendations, including the coordination of such activities as the selection of an attorney to draft documents; the transfer or re-titling of assets; making the correct beneficiary designations; gifting programs; and purchase of insurance. In addition, it is important to monitor changes in your family, health, business, and other life situations on an ongoing basis to assess the continuing validity of the estate plan.

Contact us today for a complimentary consultation.

This firm is not a CPA firm.

Financial Life Advisors (FLA), a Registered Investment Adviser, and Jim Oliver & Associates, P.C. (JOA) are under common ownership and control. Team Oliver is used to describe collaborative services of both firms. Professional tax services are provided by JOA and investment advisory services are provided by FLA, each under separate agreements.

financial planning, financial advice, san antonio

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