Conceptual Financial Advisors believes that no one plan fits all. Our OnTrack, the comprehensive analysis provides an overview of your financial situation. However, it also allows us to narrow down specific areas or answer individual questions. You have the freedom to choose. The multi-step OnTrack our most popular service, peers into all areas of your financial lives. While saving for retirement is an important goal, this analysis will go far beyond it. Based on your cash flow, this analysis creates a "current" or baseline scenario. Together, we'll talk about your long, short and medium-term goals. We may also discuss a shift to "work-flexible". We'll discuss your beliefs and values regarding spending, investments, and debt together. Your existing portfolio will be reviewed and analyzed. We then make recommendations about the goals that we can achieve together. A "Monte Carlo simulation" will help you determine the likelihood of reaching your goals. Additionally, we will discuss strategies to receive Social Security benefits and Pension payouts as well as how to plan an income stream for retirement. The possibility of Roth IRA Conversions or accelerated distributions will be explored. We will also evaluate the risk of long-term mortality. Discussions will include gifting and charitable intent. We will discuss existing insurance policies and make recommendations regarding changes or retention.