Capabilities

INVESTMENT

  • Independent research
  • Unbiased security selection
  • Disciplined investment process
  • Asset allocation and rebalancing
  • Performance monitoring
  • Risk management analysis

FINANCIAL PLANNING

Retirement

  • Prepare retirement needs analysis
  • Financial and retirement planning seminars
  • Consult on funding and disbursement strategies
  • Advise on Social Security benefit strategies
  • Advise on tax deferral strategies such as deferred compensation and retirement plans
  • Calculate required minimum distributions (RMD)
  • Review and advise on employer retirement plan investment options and allocations

Estate

  • Review estate planning documents and discuss potential strategies
  • Prepare summary / flowcharts of estate plan
  • Analyze estate strategies
  • Coordinate with and provide data to your estate planning attorney
  • Facilitate changes to beneficiary designations and retitling of accounts
  • Consult on and assist in estate administration

Insurance

  • Summarize insurance policies
  • Prepare needs analysis for life, disability, and long-term care
  • Act as liaison to licensed insurance professionals (life, disability, long-term care and medical)
  • Request information from providers
  • Coordinate implementation of new policies and/or surrender of existing policies
  • Insurance analysis services

Employee Stock Plans

  • Prepare schedules of employee stock benefits
  • Recommend divestiture strategies
  • Prepare analyses such as section 83(b) election and net unrealized appreciation (NUA)

Gifting


TAX SERVICES

  • Tax returns for individuals, families, trusts, and businesses
  • Amended tax returns
  • Tax Planning services including:
    • Stock option tax analysis
    • Tax-free disposition of real estate
    • Selection of business entity type
    • Responses to tax agency audits or letters
    • Representation at audits
    • Coordination of large charitable donations
    • Multi-year alternative minimum tax planning projects
    • Hypothetical scenario analysis

BUSINESS SERVICES

 


At BWFA, our capabilities for our clients in Maryland and Washington DC are far-reaching. To get started with any of the services above, contact us at 410-461-3900 or emailus@bwfa.com.