Harrison Lazarus Advisors: Top 10 Financial™

Top 10 Financial^®
Your Comprehensive Investment Plan

Financial Assessment
Assets, liabilities, income and expenses will be assessed, along with your account statements, bills, investment and retirement accounts to determine your net worth, and calculate annual cash flow, including income and expenses. This is a critical first step to building a financial plan. A tailored proposal accounting for asset allocation, investment horizon, diversification, risk tolerance, and money saving ideas will be provided free of charge, to jumpstart a healthier financial future for you. Click here for more information.

Income Tax Review
You benefit from CPA expertise that has saved individuals and entities millions of dollars. Our evaluation of tax returns will translate into a strategic plan to maximize your income tax savings. Click here for more information.

Tax Deferred Savings
We will assess any IRA's, 401k, 403b, SEP, 529, pension or similar investments to ensure the amounts invested are appropriate and beneficial. It may surprise you how quickly your assets will grow as we make savings your priority. Click here for more information.

Debt Leverage
All your credit cards, loans, and credit reports will be examined to determine if debt is leveraging assets to your advantage. Obtaining and maintaining your credit regularly is critical. When you need credit you want to give yourself the best chance of getting what you need, at the least expense. Click here for more information.

Dealing with the Inevitable
We will review and make recommendations, while coordinating powers of attorney, wills, and advance directives to ensure that in case of adversity, your personal assets will be safeguarded, and when necessary, transferred to the beneficiaries of your choice. Click here for more information.
Emergency Strategies
We assist with the planning, preparation, and protection of emergency documentation, (e.g., copies of house title, birth certificate, passport, marriage certificate, etc.), as well as up-to-date records of beneficiaries. Click here for more information.

Property and Casualty Insurance
Analyzing and advising you on your property and casualty coverage, we verify that your policy amounts are keeping pace with the increased value of your assets. Click here for more information.

Health and Life Coverage
We will examine your health and life insurance. The principal reason to own life insurance is the protection provided by death benefits. Life insurance can replace the lost income of the deceased and pay for future financial needs, such as a mortgage. Click here for more information.

Retirement Planning
We will assist you in redirecting strategies to accomplish your desired results. This includes estimating the coordination of company pension plans, social security, and self-directed investments, such as 401(k)s, and IRAs, to their fullest potential. Click here for more information.

Charitable Benefits
Charitable giving can provide tax saving benefits to your portfolio, and subsequently translate into a tangible asset. We will guide you in creating and funding trusts to minimize or avoid estate taxes, and to carry out asset transfers to family members and charitable organizations. We will work with you and your attorneys to identify estate-planning opportunities, to create trust instruments to efficiently provide for those transfers with the appropriate safeguards, and we will oversee the preparation and the filing of trust and estate tax returns.