*Remember the Facts to use for this Case may be found in the Discussion Board un

*Remember the Facts to use for this Case may be found in the Discussion Board under Tools in Blackboard
**The lettered topics are to give you an idea of which ideas to address. Part of the assignment is identifying what to discuss.
50 Points
Case Introduction Identifying Primary Planning Themes: 5 points
Quality of Engagement letter: 5 points
Analysis using Different Approahes: 5 Points
Risk Management: 5 Points
Life
Health
Disability
Long Term Care
Home
Auto
Liability
Retirement and Educational Funding: 5 Points
Expected ages
Expected replacement rations
Expected cost and length
Social Security
Level of pre retirement
Inflation expectations
Unique circumstances
Asset protection (insurances)
Type of modeling used (Monte-Carlo or deterministic)
Competing needs for pre and post retirement income
Investment Planning: 5 Points
Plannin Goals (e.g. retirement, education)
Risk profile and investment experiences of client
IPS for client
Present and recommended asset allocation
Time horizon (retirement, college)
Rebalancing
Recommended changes to specific investments
Sharpe Ration on individual investments and overall portfolio
UGMA vs. 529 recommendations
Annual Savings needed
Return Assumptions
Asset allocation for each child
Future cost of education assumption
Income Taxes: 5 Points
Current tax situation and expected tax in future and impact on client
Marginal versus effective (present and future)
Social Security
Qualified plan
Dividends and interest,
Muni bonds vs taxable bonds
Capital gains
Kiddie tax
Estate Planning: 5 Points:
Recommendation on how assets should be titled
Specific legal documents needed
Life insurance ownership and why
Power of attorney
Gifting strategies
Special situation planning
Beneficiary designations (primary vs. contingent)
Charitable recommendations
Presentation to client using current and projected statements and ratios: 5 Points
Closing engagement letter: 5 points