SERVICES 

Our services may be as extensive as a comprehensive financial plan and ongoing investment management or limited in scope to a specific issue such as investments, business continuation, retirement, taxes, insurance, estate planning, employee benefits, cash flow, divorce, or education planning.  To follow are some of our more common services.

Cash Flow Projections: Provide a detailed look at the growth and depletion of assets over your lifetime.  Used to determine the amount you need to save in order to retire, how soon you can retire, and the amount you can spend in retirement. 

Life Insurance Analysis: Evaluates the need and adequacy of life insurance policies.  Reports on the financial strength of your insurance company. 

Education Plan:  Evaluates the amount needed to pay for children or grandchildren’s education.  Recommends the best investment vehicle (529 plans, UTMA or UGMA accounts, Annuities, or Educational IRAs) for your individual circumstances.

Retirement Plan: Provides guidance in preparing for retirement.  Evaluates the most appropriate withdrawal method of retirement assets (where to take withdrawals from first—IRA, Roth, 401k, Annuities, or After-Tax Accounts).

Income Tax Plan: Provides specific suggestions for reducing income taxes. 

Debt Analysis: Evaluates the priority for paying down debts (which to pay first—school loans, credit card debt, car loans, home mortgage, et cetera.)

Investment Analysis: Evaluates current portfolio with respect to diversification, risk tolerance, tax efficiency, expense and overall appropriateness.  Provides specific recommendations for improvement.

Estate Plan: Provides general information regarding trusts, wills, durable powers of attorney, and estate taxes.  Reviews current beneficiary designations and asset titling to ensure consistency with clients’ wishes.  Provides referrals to qualified estate planning attorneys where necessary.  

Financial planning and investment advice can only be rendered after delivery of a Form ADV Part II. Independent Financial Solutions LLC is registered with the State of Utah Securities Division.  This web site is not deemed to be a solicitation for advisory services in any state where IFS is not registered or exempt from registration.