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

• Advise on family and charitable gifting strategies
• Analyze funding techniques
• Review and analyze impact on financial and estate plans
• Analyze income tax impact

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

• Business valuations
• Merger & acquisition advisory services (buy-side and sell-side)
• Exit planning/ succession planning
• Corporate finance
• Philanthropy advisor 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.