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Client Commitment

Lifetime Advisors Group is committed to providing proactive service to all of her clients. In order to accomplish this, Gayle strives to be your partner in helping you achieve financial success. 

Outlined below is the support Gayle and her team will provide to move you closer to your vision for the future. Whether interacting directly with clients or behind the scenes our focus is always on you.

Partnership Support

Help provide more confidence in financial matters, focusing on goals, priorities and direction 

Communicate frequently to establish your financial goals and chart a timeline for accomplishments

Help you understand the various aspects of the financial decision-making process 

Advise you through reactive or emotional decisions which could negatively affect your financial situation 

Work to resolve problems quickly so you have an excellent experience 

Provide friendly and knowledgeable support staff to comprehensively support your needs and questions 

Support you through expected and unexpected changes in your Iife

Financial Education 

Provide financial and investment information with a comprehensive approach that is easy to understand 

Help you evaluate the economic news to determine what you should and shouldn’t be concerned about 

Keep you up to date with product, service and strategy changes and improvements 

Newsletters to keep you informed about changes in the firm and the economy at large 

Host seminars and events to provide up to date information on key financial planning topics

Financial Planning

Provide a comprehensive financial plan to align your current actions with future goals 

Calculate your current and projected net worth to establish a foundation for planning 

Help manage cash flow, income and spending, now and in the future, in line with your planning goals 

Analyze debt structure and organization, as well as lending opportunities 

Evaluate your existing insurance coverage and plan comprehensively for additional protection needs

Aid with real estate planning and evaluate mortgage financing 

Offer budgeting tools and consolidated account access to help keep you informed about your finances 

Analyze Risk Management 

Retirement Planning

Provide education on the structure and regulations concerning various retirement planning options 

Analyze your current and future income needs to drive investment decision making 

Develop recommendations to fund your income needs to help maintain a comfortable life 

Recommend the best distribution strategy for your employer retirement plans and IRAs 

Optimize strategies for Social Security payment options 

Investment Advice and Management 

Evaluate your tolerance for risk and loss to design appropriate investment strategies 

Design and maintain a personalized investment solutions and a portfolio appropriate to your needs 

Recommend proper allocation and positioning of funds in retirement plans such as 401(k)s 

Hold regular review meetings to ensure you are on track to meet your goals 

Provide ongoing due diligence and monitoring of investments 

Asset allocation programs 

Discuss and present alternative investment solutions for proper portfolio diversification 

Be available for touch base conversations to answer questions and address your evolving needs 

Tax Planning 

Comprehensively review your tax situation to highlight opportunities for optimal tax positioning 

Incorporate tax law changes and projections into your planning and investment strategies 

Consult with your tax preparer to make sure all finances and solutions are aligned 

Estate Planning 

Review your current estate plan, will, trusts and powers of attorney for concerns and necessary changes 

Assist in asset transfer strategies and beneficiary review 

Organize meetings with your family to review your financial and estate situations 

Provide guidance with the appropriate and necessary steps in the event of the death of a loved one 

Assess philanthropic giving solutions through understanding your family goals and charitable values 

Consult with your estate planner to make sure all solutions are aligned 

Estate Planning 

Review your current estate plan, will, trusts and powers of attorney for concerns and necessary changes 

Assist in asset transfer strategies and beneficiary review 

Organize meetings with your family to review your financial and estate situations 

Provide guidance with the appropriate and necessary steps in the event of the death of a loved one 

Assess philanthropic giving solutions through understanding your family goals and charitable values 

Consult with your estate planner to make sure all solutions are aligned

Additional Offerings

Provide referrals to other professionals who can help address all elements of your total financial picture 

Review education planning and funding strategies to include UTMAs, education IRAs and 529 plans 

Find solutions for executive compensation investments such as restricted or concentrated stock holdings 

Analyze and implement solutions for employee benefits administration for your small business

Expectations of Clients

The ladies and gentlemen that work at Lifetime Advisors Group are eager to ensure your needs are met and that you make progress toward your vision of financial success. If we are going to be successful together, here are some key things that we can do to work better as a team. 

No matter what you do, every investment strategy requires patience. Your investments will be monitored and will progress over time. 

It is imperative that we meet at least once throughout the year to discuss your financial situation. This will help foster our long-term
business relationship. We are available for additional consultations.

Her only purpose is to further your progress toward your long-term objectives. She strives for overall success in your financial life and to her that means moving you closer to achieving your overall goals and objectives. 

She looks at what the markets are doing, but she is more curious about how the performance of your accounts relates to what you are trying to achieve. 

She helps you to understand what your personal benchmark requirements are. Helping you stay on track and achieve your goals based on your personal benchmarks

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