inancial Plans for Advisers

Retirement planning is an evaluation of the investment and financial options available to a client based upon defined economic criteria. This kind of planning includes; (i) attempting to make optimal decisions; (ii) projecting the consequences of these decisions for the client in the form of a specific, targeted financial plan - a working blueprint; (iii) implementing the financial plan in an attempt to achieve the objectives of the client; (iv) comparing future performance against the working blueprint; and, (v) making modifications as needed to the blueprint as the client situation and economic conditions change.

Holland Advisory Services also offers such services to clients and other Registered Investment Advisers and their representatives under the name Retirement Dream Builder^SM. Retirement Dream Builder^SM is a division of RAM Advisory Services that develops financial and retirement plans.

In general, our retirement planning encompasses one or more of the following areas of financial need as presented by the client:

Retirement
Analysis of current strategies and investment plans to help clients achieve their retirement goals.
Investments
Analysis of investment alternatives and their effect on a client’s investment portfolio(s), including a risk and return analysis. Assessment of a client’s tax tolerance profile.
Taxes & Cash Flow
Understanding the impact of various investments on a client’s current income tax and future tax liability.
Survivor and Beneficiary Planning
Cash needs at death, income needs of surviving dependents, estate planning and income analysis.
Estate
Reviewing estate planning documents, including wills and trusts, to determine if a client should seek the assistance of an estate planning attorney.
Insurance
Review of existing policies to ensure proper coverage for life, long-term care, and estate liquidity.

Retirement Planning Development

Through the use of a financial profile questionnaire and personal interviews, the Company gathers necessary information to complete the analysis. Information gathered could include the client’s current financial status, a list of assets, insurances, wills and/or trusts documents, monthly expenses and other information based on the client’s financial status, and future goals. Related documents supplied by the client are carefully reviewed and discussed with the client.

NOTE: All information provided by and to the client will be kept entirely confidential. Such information will be disclosed to third parties only when needed to complete a financial plan or as may be permitted by law.