Planning Your Financial Future

• Build a personalized financial plan that reflects your goals, values, and stage of life.
• Adjust your plan as life evolves—whether it’s getting a new job, growing a family, or entering retirement.
• Plan for education expenses, whether for children, grandchildren, or your continuing education.
• Use our Play Zone® to model “what if” scenarios so you can make decisions with clarity and confidence.
• Prepare for major life milestones such as home purchases, business exits, or retirement transitions.
• Provide you with financial planning tools that allow you to explore how small changes may impact your goals.
• Create a retirement income strategy that aligns with your desired lifestyle and risk tolerance.
• Help you understand the financial impact of life events such as inheritance or marriage.
• Prioritize goals and help you determine trade-offs to stay aligned with your financial plan.
• Review and optimize withdrawal strategies in retirement for tax-efficiency.

Protecting What Matters Most

• Review your insurance coverage to help protect your family, income, and future.
• Connect you with estate planning professionals and align assets with your legacy goals.
• Plan for long-term care needs and understand available options.
• Ensure your beneficiaries and account titles are up to date and reflect your wishes.
• Evaluate your overall risk exposure and recommend strategies to manage it.
• Help you prepare for unexpected events, including job loss, illness, or market downturns.
• Review your existing insurance policies to ensure they still meet your needs.
• Help you implement disability insurance to protect your income.
• Recommend long-term care solutions to safeguard your wealth.
• Incorporate key person insurance or buy-sell agreements for business owners.
• Guide you in establishing irrevocable life insurance trusts (ILITs) for efficient wealth transfer.

Growing and Managing Your Wealth

• Design a diversified investment strategy tailored to your goals and risk tolerance.
• Leverage Janney’s in-house research and market insights to inform portfolio decisions.
• Identify tax-efficient ways to grow and preserve wealth.
• Review Social Security and Medicare strategies to maximize lifetime benefits.
• Rebalance your portfolio to keep it aligned with your evolving plan.
• Offer access to Janney’s investment specialists for advanced strategies.
• Explore alternative investment strategies, where appropriate, for diversification.
• Help you evaluate and integrate workplace benefits, stock options, and retirement plans.
• Review your investment costs and optimize for value and performance.
• Discuss Roth conversion strategies when appropriate for long-term tax planning.
• Coordinate investment strategies with income distribution needs.
• Recommend tax-aware investment vehicles, such as municipal bonds or ETFs.

Simplifying and Organizing Your Financial Life

• Organize your financial life so you can view your complete picture in one place.
• Coordinate with your CPA, attorney, and other professionals to align your financial team.
• Help you define and prioritize goals when life feels complex or overwhelming.
• Guide you through major life transitions such as marriage, divorce, or career change.
• Provide business owners with planning support, including succession and liquidity strategies.
• Consolidate accounts and help streamline financial management.
• Offer digital tools and dashboards so you can monitor progress at your convenience.
• Schedule proactive check-ins to keep your plan on track.
• Serve as your sounding board before major financial decisions.
• Translate complex financial language into plain, actionable advice.
• Provide an Estate Organizer to track key documents and decisions.
• Offer secure digital services such as Document Vault and eDelivery for simplified document management.

Supporting Your Family and Legacy

• Help your children or grandchildren get started with investing and financial literacy.
• Develop a thoughtful gifting strategy that supports loved ones without disrupting your plan.
• Plan for family caregiving needs, including aging parents or dependent adult children.
• Facilitate wealth transfer conversations so your values and intentions are understood.
• Host or guide family meetings to foster alignment and communication.
• Establish education savings accounts (ESAs), such as 529 plans or Coverdell ESAs.
• Help estimate future college costs and develop a personalized savings plan.
• Incorporate charitable giving strategies into your legacy plan.
• Assist in setting up donor-advised funds or private foundations.
• Plan for inheritance equalization among heirs in complex family situations.

Navigating Markets and Policy Changes

• Provide calm, objective guidance during market turbulence.
• Monitor economic and legislative changes that may affect your plan.
• Adjust strategies in response to shifts in interest rates, inflation, or tax law.
• Help you make smart, timely decisions during periods of market uncertainty.
• Explain potential tax impacts of proposed legislation.
• Adjust asset allocations based on macroeconomic trends and research.
• Share portfolio stress testing to prepare for potential market scenarios.

Staying Connected and Informed

• Share timely market updates and insights curated to your interests.
• Host educational webinars and events to deepen your financial knowledge.
• Provide access to Janney’s strategists, financial planners, and analysts when needed.
• Deliver custom reports to track your progress and uncover opportunities.
• Offer personalized reviews of your plan, virtually or in person, based on your preferences.
• Send timely reminders and checklists to help you stay ahead of key deadlines.
• Provide Janney’s Online Access Mobile App for 24/7 visibility into your finances.
• Enable account aggregation to view outside assets in one place.
• Offer guest access to allow trusted individuals to view key information.
• Provide Mobile Check Deposit, Bill Pay, and money transfer tools.

Going Above and Beyond

• Serve as your advocate and financial ally through both simple and complex decisions.
• Be available during life’s pivotal moments when guidance matters most.
• Celebrate your personal and financial milestones with you.