Alere Planning LLC is an independent Registered Investment Advisory firm focused on helping clients successfully navigate change in their busy lives. Whether preparing for, or experiencing such change, it is our desire to provide a diligent, caring, and constructive experience.
Our Services
We believe financial wellbeing comes about through a cumulative process – step by step, action by action, decision by decision that compounds, to your benefit, over time.
Planning Tailored to You
Everyone’s circumstances are unique to their individual experiences and needs. At Alere Planning we pride ourselves on tailoring client relationships to meet people where they are today and to envision, together, where they want their journey to take them. It is our belief that our greatest contribution is to ultimately help clients do what they want, when they want with whomever they chose. Whatever your goals may be, our passion is seeing them become reality.
Retirement Readiness
Income and expense planning / Optimal claiming of Social Security benefits / Pension analysis / Healthcare options and Medicare / Tax Planning / Savings withdrawal planning / Asset positioning to help control taxes / State residency tax considerations and implications
Executive Compensation
Restricted stock (RSU) and stock option (ISO & non-qualified) exercise planning / Deferred compensation (457 b/f) planning / Life insurance / Supplemental retirement savings plans / Tax planning / AMT implications
Investment Management
Assess personal risk appetite and capacity / Balance growth and income goals and expectations / Portfolio design / Security selection for and positioning across taxable and tax-deferred accounts / Implementation / Ongoing monitoring and asset rebalancing
Cash Flow Planning
Estimate current and future income sources and personal spending needs / Assess alignment with personal values and goals / Evaluate required versus discretionary spending / Assess income tax implications of taxable events - timing of realized income, deductions or credits
Tax Planning
Evaluate and implement strategies to defer income and/or realize deductions or credits to help control taxes / Position of investments between taxable and tax-deferred accounts to reduce investment related taxes / Illustrate the potential benefits of Roth IRA conversions / Estimate tax implications of retirement
Life Transitions
Marriage or re-marriage / Birth of a child / Loss of a loved one / Inheritance / Divorce / Caring for an elderly parent or relative / Sudden illness or disability - all these life events trigger the need for a fresh look at your financial situation.
Career Transitions
A new career path / Important promotion / Launching a new business / Selling a business / Stepping back to pursue other life goals - thoughtful planning around these life events can help to reduce stress and enhance your confidence as you pursue a new course.
Debt Reduction and Management
Mortgage refinance or consolidation / Home equity loan / Student loan consolidation or paydown / Large purchase financing / Reverse Mortgage suitability
Education Funding
Cash flow planning for private school and/or college / 529 Savings Plan set up and funding / parent-child cost sharing arrangements / tax credit availability / debt analysis / FAFSA planning and implications