Get an Integrated Blue Print, aka Business Plan for Life Part 2

Michelle Bertram and Beverly Bertram are financial advisors living in Mineral Point WI and serving the surrounding communities. Michelle Bertram does financial planning for retirees along with business consulting. Beverly Bertram specializes in retirement planning and income planning for her clients. Michelle Bertram and Beverly Bertram are authors of the book, Creating You DREAM Retirement and creators of the DREAM Retirement Process. Serving Madison WI, Verona WI, Mount Horeb WI, Barneveld WI, Dodgeville WI, Dubuque IA, Platteville WI, Lancaster WI, Cuba City WI, Fennimore WI, Darlington WI, Monroe WI, Spring Green WI, Black Earth WI and beyond5 Principles to Restore Order and keep you well!

Number Four – Get an Integrated Blue Print, aka Business Plan for Life Part 2

An integrated blueprint or business plan for life will detail what you have including obstacles seen and unseen along with what you need, opportunities available to you to help you meet your goals and live your DREAM.

 

Retirement Income Plan – It is important to ensure your retirement income is reliable and sustainable for the rest of your life so you have the freedom to live your DREAM retirement with peace of mind and confidence. This includes:

  • Social Security Planning
  • Income and Expense Analysis
  • Inflation Plan
  • Survivor Plan

Investment Plan – Your investment portfolio is key to the success of your income plan and financial security. An investment plan includes:

  • Identifying your personal risk benchmark
  • Measuring your portfolio risk number
  • Establishing ways to manage your portfolio risk
    • Setting your ideal investment mix with the colors or money*
    • Comprehensive Institutional Money Management

Tax Plan – Arthur Godfrey said he didn’t mind paying his fair share of taxes but he thought his fair share was half the price! Don’t we all! A tax plan looks at both short term and long term tax consequences and will include:

  • Lifetime IRA Taxes
  • Tax consequences of your Investment Plan and the use of tax-free or tax-deferred tools
  • If applicable, a business tax plan
  • Special tax benefits available to you

 Protection Plan – In addition to protecting your retirement income and investment portfolio, we also want to help you protect your retirement from other common risks – lawsuits and healthcare issues. This includes:

  • Analyzing options for a Long-Term Care Plan
  • Implementing simple strategies to protect you from lawsuits
  • Establish documents to protect your personal decision making and ensure access to your portfolio

Estate / Legacy Plan– It’s important to make sure that the assets you’ve worked so hard benefit you and your beneficiaries of choice, allowing you to leave a legacy and make an impact. This includes:

  • Maximizing your impact to your beneficiaries (family and/or charities)
  • Protect your family from the 4 Wealth Predators (taxes, liability, divorce, and bad choices)