Ways To Save More

Guide Recommendation: What Account Should I Consider If I Want To Save More? checklist

Email Subject Line: 15 ways to save more in [insert year]

Email Body

Dear [Client],

During January and February, we like to help clients identify proactive ways to start the year off right and save more.

Perhaps you…

  • Received a bonus or a raise and need guidance on how to save or invest the additional cash;
  • Have a tax refund coming to you; or
  • Want to consider ways to save more this year.

Whatever the case may be, the beginning of the year is a great time to set your intentions and establish good habits to ensure you save for your financial goals.

Identifying available savings opportunities and prioritizing across accounts can be complex and overwhelming. For example, do you know whether you are eligible for and taking full advantage of pre-tax health care savings accounts, such as HSAs and FSAs? Are you optimizing your retirement savings, choosing between traditional and Roth options, obtaining the total amount of any employer match, and maximizing your contributions?

To help you spot ways to save more this year, we have a checklist [link your white-labeled version saved on your website or Google Doc] that outlines more than 15 strategies to consider when you have surplus cash or savings on hand.

While the checklist can help you identify different opportunities, we are always available to meet with you to discuss your finances and goals and determine what options best suit your unique circumstances.

Don’t hesitate to contact us and schedule a time to discuss this further, or [schedule a time with us on our calendar (insert your calendar link here)].

Sincerely,

It's Time To Review Your Tax Returns

Guide Suggestions: As Someone Who Is Working, What Issues Should I Consider When Reviewing My Tax Return? checklist and the As A Retiree, What Issues Should I Consider When Reviewing My Tax Return? checklist

Email Subject Line: It’s time to review your tax returns

Email Body:

Dear [Client],

During the months of March and April, we want to help you identify planning opportunities (and spot potential issues) with your tax returns.

If we work together now, we can help identify…

  • If there was a change in your finances last year and you are paying excess estimated taxes;
  • Additional ways to reduce your tax liability for this year; and
  • Possible omissions or mistakes made by the tax preparer.

It is opportune to review your tax returns now, because there is still time to address issues before next year (and you may have time to amend returns, if needed).

Reviewing tax returns can be daunting and difficult given the many state and federal complexities and often changing rules. Tracking your exposure to various taxes (e.g. ordinary income tax, capital gains tax, the alternative minimum tax, the net investment income tax, etc.), and your rights to various credits and deductions, requires time and effort.

To assist you in reviewing your filings, we have a checklist for retired taxpayers [link to your white labeled version from your website of Google Doc] and one for taxpayers that are still working [link to your white labeled version from your website or Google Doc]. Each checklist outlines nearly two dozen considerations to help guide you through your returns and circumstances.

While the checklists can help you spot great ways to identify all the different opportunities to consider, we are always available to meet with you and discuss your finances and goals, and to identify what the best opportunities are for you.

Please contact us today to schedule a time to discuss this further, or [schedule a time with us on our calendar (insert your calendar link here)].

 

Sincerely,

Reviewing Investments

Guide Suggestion: What Issues Should I Consider When Reviewing My Investments? checklist

Email Subject Line: It’s time to review your investments

Email Body:

Dear [Client],

During May and June, we want to help you review your investments.

Perhaps you want to…

  • Review the risk you are taking with your investments and want to consider adjusting your asset allocation;
  • Make a contribution to or withdrawal from an investment account; or
  • Discuss the current market outlook, the Fed’s monetary policy, or other economic trends.

Whatever the case may be, mid-year is a good time to review your portfolio to ensure your strategy continues to align with your needs and goals.

Careful investment planning is essential, but can be quite complex. Performance is just one consideration when reviewing your portfolio. Factors such as diversification, taxation, and fees can have a dramatic impact in any economic climate.

To assist you in reviewing your investments, we have a checklist [link to your white labeled version from your site or Google Doc] that outlines over 25 key considerations to guide your analysis.

While the checklist can help you spot good ways to identify all the different opportunities to consider, we are always available to meet with you to discuss your finances and goals, and to identify what the best opportunities are for you.

Please contact us today to schedule a time to discuss this further, or [schedule a time with us on our calendar here (insert your calendar link)].

 

Sincerely,

Reviewing An Estate Plan

Guide Suggestion: What Issues Should I Consider Before I Update My Estate Plan?

Email Subject Line: It’s time to review your estate plan

Dear [Client],

During July and August, we want to help you review your estate plan.

Perhaps you…

  • Have experienced a change in family circumstances and you’d like to alter the amounts, timing, and/or recipients of wealth transfers under your plan;
  • Want to confirm that your General and Health Care Powers of Attorney and Living Will are up-to-date, in light of any changes in state law or personal preferences; or
  • Would like to refresh your understanding of your documents and the relevant rules.

Whatever the case may be, it is important to review your estate plan periodically. Nevertheless, you might be reluctant to address the subject or review your documents on your own. This is natural, but we can help guide you through the complexities to ensure your wishes are carried out, and your family and assets are protected.

To facilitate a productive discussion, we have a checklist that outlines 18 considerations that are fundamental to an estate planning review [link to your white labeled version from your website or Google Doc].

While the checklist can help you spot good ways to identify all the different opportunities to consider, we are always available to meet with you to discuss your finances and goals, and to identify what the best opportunities are for you.

Please contact us today to schedule a time to discuss this further, or [schedule a time with us on our calendar here (insert your calendar link)].

 

Sincerely,

Reviewing Insurance Coverage

Guide Suggestions: What Issues Should I Consider When Reviewing My Property & Casualty Insurance Policies? checklist and the What Issues Should I Consider When Reviewing My Health And Life Insurance Policies? checklist

Email Subject Line: It’s time to review your insurance coverage

Email Body:

Dear [Client],

During September and October, we want to help you review your various insurance coverages to make sure you have the coverage you need.

Perhaps you…

  • Have new health care concerns or you are losing coverage and need to update your health insurance plan;
  • Have made improvements to your home and you need to increase your homeowners insurance coverage; or
  • Wish to review all policies and explore available discounts and bundling options to reduce premium costs.

Whatever the case may be, an annual insurance review is critical to ensure you are adequately protected well in advance of any future needs.

The terms and conditions of insurance contracts can be difficult to read and understand. Deductibles, limits, exclusions, and endorsements can be hidden in the fine print, making it hard to understand the true extent of your protection. To assist in reviewing your insurance coverage, we have two checklists that outline key considerations to guide your analysis (one covers Health and Life related issues [link to your white labeled version from your website or Google Doc], the other covers property and casualty related issues [link to your white labeled version from your website of Google Doc]).

While the checklists can help you spot good ways to identify all the different opportunities to consider, we are always available to meet with you to discuss your finances and goals, and to identify what the best opportunities are for you.

Please contact us today to schedule a time to discuss this further, or [schedule a time with us on our calendar here (insert your calendar link)].

 

Sincerely,

Reviewing End Of Year Planning Opportunities

Guide Suggestion: What Issues Should I Consider Before The End Of The Year? checklist

Email Subject Line: End-of-year opportunities for your finances

Email Body:

Dear [Client],

During November and December, we want to help you spot planning opportunities that are very time-sensitive.

Perhaps you…

  • Are considering making year-end gifts to charitable organizations or family members, and need to determine your optimal funding strategy;
  • Are looking to reduce your income tax liability this year, and are seeking loss harvesting and income-reduction opportunities; or
  • Wish to make a high-level survey of your financial picture, ensuring that you aren’t missing any windows of opportunity that close with the calendar year.

Whatever the case may be, the end of the year is an important time for us to get together.

Tracking numerous deadlines and avoiding missed planning opportunities can be challenging during these busy months. To help ensure that you remain on track, we have a checklist that outlines 18 time-sensitive considerations to guide your end-of-year review and tee up any adjustments for the coming year [link to your white labeled version from your website or Google Doc].

While the checklist can help you spot good ways to identify all the different opportunities to consider, we are always available to meet with you to discuss your finances and goals, and to identify what the best opportunities are for you.

Please contact us today to schedule a time to discuss this further, or [schedule a time with us on our calendar here (link your calendar link here)].

 

Sincerely,

Start The Year On The Right Foot

Guide Suggestion: What Issues Should I Consider At The Start Of The Year? checklist

Email Subject Line: Begin [insert year] on the right foot!

Email Body:

Dear [Client]:

The beginning of a new year is the perfect time for us to have a conversation about the various factors that can influence your planning.

For example, we can:

  • Take a look at your progress toward your goals and consider any new goals you’ve set for yourself.
  • Evaluate your insurance coverages to make sure your risks are minimized.
  • Revisit your assets and debt and evaluate whether your risk tolerance continues to be appropriate.

Take a look at the [Link Checklist: What Issues Should I Consider At The Start Of The Year?] I’ve included for you. In addition to the ideas above, we can work together to get you organized for tax season so you have a smooth experience. There are many reasons why having a good conversation now can set you up for success later.

Sometimes the incremental changes that occur year-to-year may not seem like a big deal. In reality, though, they can really add up. The planning that we’ve done together can evolve to protect and strengthen the people and organizations that are important to you.

If the checklist I’ve included has helped you identify topics we should plan for, please contact me to schedule a time for us to discuss them further. I welcome the opportunity to have this conversation with you!

Sincerely,

Cash Flow Check Up

Guide Suggestion: What Issues Should I Consider When Reviewing Cash Flow? checklist

Email Subject Line: Can we improve your cash flow confidence?

Email Body:

Dear [Client]:

The cash flow conversation is universal and critically important to the health and well being of your financial plan.

Perhaps your:

  • Income streams have changed, which can affect your debt and taxes.
  • Essential and discretionary spending has experienced some creep, which can affect your debt and even goal funding.
  • Savings goals have changed, which can affect your discretionary spending.

Sometimes it’s easy to spot when your cash flow gets a little out of balance. Sometimes you may not realize it until it’s too late. Take a few moments to go through the [Link Checklist “What Issues Should I Consider When Reviewing Cash Flow? checklist.] It covers several areas that can help shed light on possible planning issues to consider. Are there areas we should revisit?

Let’s check in about the ebbs and flows of your income and line it up against your goals. Contact me to schedule a time to have a conversation that can give you confidence that your entire financial plan is pulling in the same direction.

Sincerely,

Master List Of Goals

Guide Suggestion: Master List Of Goals checklist

Email Subject Line: Let’s check-in to confirm your planning is aligned with your goals.

Email Body:

Dear [Client]:

Helping you meet your goals is what fuels our work here at [insert firm name]. But just like everything else, goals can change. Even changes that seem modest can have an effect on your financial plan.

Sometimes it can be helpful to work with a tool that allows you to frame your priorities as they that relate to:

  • Retirement and lifestyle goals.
  • Tax planning and healthcare goals.
  • Self-development and professional goals.
  • Estate planning and wealth transfer goals.

Take a moment and consider the questions that are included in [Link checklist The Master List Of Goals]. Whether you answer “YES” to one question or several questions, let’s talk.

Contact me to schedule a time for us to have a conversation. There’s no better time than right now to make sure your financial plan is aligned with what you want to achieve.

Sincerely,

Estate Document Review

Guide Suggestion: What Issues Should I Consider When Reviewing My Estate Planning Documents? checklist

Email Subject Line: It may be time to review your estate documents.

Dear [Client]:

Just like your annual physical, it’s a good idea to schedule a check-up for your estate documents to make sure everything is as you intend. Granted, it’s probably not the most exciting activity on your to-do list, but you don’t want to let important details derail all the work you’ve done.

The good news is that you don’t have to do it alone. Together, we can coordinate and comprehensively review the key considerations that can inform and affect:

  • Wills
  • Living Trusts
  • Irrevocable trusts
  • Powers of Attorney
  • Living Wills

To make the most of your time, work through the checklist, [Link Checklist What Issues Should I Consider When Reviewing My Estate Planning Documents?] If you answer “YES” to any of the questions, that’s a signal that we should dig a little deeper and identify the updates that may be needed to your documents.

It’s not always clear when you need to update estate documents. Plus, sometimes life happens and time slips by. It happens to all of us. That’s why I urge you to take a look at the checklist and then schedule some time for a conversation with me. I welcome the opportunity to support you in this process.

Sincerely,

Open Enrollment

Guide Suggestion: Should I Change My Medicare Coverage During Open Enrollment? checklist

Email Subject Line: Are you considering changing your Medicare coverage?

Email Body:

Dear [Client],

Medicare’s Open Enrollment Period begins on October 15.

Now is the ideal time to evaluate whether this is the year to change your coverage. Perhaps you’re:

  • Wanting a plan with different services that it covers.
  • Requiring access to specific hospitals, doctors, or prescriptions that aren’ covered under your current plan.
  • Needing more convenience, higher quality, or a plan that will cover you while you’re traveling.

Making this decision is anything but simple. To help you through the process, I’ve attached the flowchart [Link Flowchart Should I Change My Medicare Coverage During Open Enrollment?] It covers considerations that can influence your decision, such as changes in health care needs, costs of premiums and deductibles, and the effective dates of any changes.

As your advisor, I’m ready to help you navigate the Medicare landscape. If you’d like to schedule some time with me to go through the flowchart together or to ask other questions you may have, I would welcome that opportunity.

Call me today or reply to this email and we’ll set up some time to have this important conversation.

Sincerely,

Planning For Strategic Charitable Giving

Guide Suggestion: Should I Use A Donor Advised Fund (DAF) When Giving To Public Charities? flowchart

Email Subject Line: Is a donor advised fund right for you?

Email Body:

Dear [Client]:

A meaningful part of your financial plan is your charitable giving.

Perhaps it’s the ideal time to put a charitable giving strategy in place to help you make the most of your donations. Consider strategic giving when you:

  • Want to make a large charitable gift to offset your tax liability
  • Intend to make numerous and substantial charitable gifts upon your death
  • Typically claim the standard deduction
  • Want to retain control of the timing of the charitable distribution

To help you frame the decision regarding whether a donor advised fund is right for your situation, I’ve attached the [Link flowchart “Should I Use A Donor Advised Fund (DAF) When Giving To Public Charities? flowchart]. You’ll find that donor advised funds can enable you to optimize your tax planning while simultaneously streamlining and fulfilling your philanthropic goals.

If the idea of a donor advised fund is appealing to you, let’s have that conversation. Give me a call or reply to this email, and we get our meeting scheduled.

I’m looking forward to helping you assure your charitable giving goals are met.

Sincerely,

Unexpected Expense

Guide Suggestion: What Issues Should I Consider When Funding An Unexpected Expense?

Email Subject Line: This Will Help Us Address Your Unexpected Expense

Email Body:

Dear [Client]:

Thank you for [calling/emailing/texting] me about your unexpected expense. I’m here to help, and together we can identify and discuss the most appropriate way to
fund it.

It can be scary to have an expense that you were not prepared to pay for. It is common and together we can address it in various ways to minimize the impact it has on you and your financial goals.

[Copy for Essential + Deluxe Members]
I’ve [attached/linked to] the “What Issues Should I Consider When Funding An Unexpected Expense?” checklist. Take some time to read through the concepts we should discuss. Any question you answer YES or leave blank will help us focus our time together.

[Copy for Premier Members]
To make sure we spend our time together in the most productive way possible, complete this “What Issues Should I Consider When Funding An Unexpected Expense?” checklist. Any question you answer YES or leave blank will help us focus our time together. You can add notes if you want to provide additional commentary on any question. This link will be live for 30 days.

When we [meet/zoom/meet virtually] on [Day Of The Week, Month, Date], we can make the best use of our time and you can move forward with confidence.

Sincerely,