CASH FLOW ANALYSIS
• Establishes an understanding of cash flows used to create good saving habits.

• Analyze the effect of debt on future cash flows.
• Develop realistic expectation of cash flows during various periods in the clients life, particularly retirement through scenario building.

TAX PLANNING
• Contrary to common belief, taxes are an issue over which you have some control.

• Tax preparation. Vs. Tax planning: Tax preparation, the filing of tax returns, is compiling info from what has already occurred. Conversely, tax planning, involves utilizing legitimate opportunities for future tax reduction.

• Structuring investments using the most tax-efficient mutual funds.

• Tax planning will reduce your liability significantly over the long run.

EDUCATION PLANNING
• Education costs continue to increase more rapidly than the rate of inflation.

• Coordinate your savings for your children's education alongside your other goals.

• Help you to decide which investment vehicle, including Section 529 Education Savings Plans, Coverdell Education Savings Accounts, and State Tuition Assistance Programs, meet your needs.

RETIREMENT PLANNING
• Develop a plan to maintain your desired standard of living during retirement, whether your currently retired or don't plan to retire for 30 years.

• Show you the likely outcome of different scenarios so that you can choose the option that makes the most sense for you.

• Work with you to continually update your retirement plan to reflect the changes in your financial life.

INSURANCE ANALYSIS
• Analyzes your need for the following types of coverage-life, medical, disability, auto, homeowners, long-term care, and personal liability and makes appropriate recommendations.

• Frequently, we can identify coverage that is unnecessary, allowing our clients to save money.

• As a fee-only financial advisor, we do not sell any type of insurance, which allows us to provide objective advice.

ESTATE PLANNING
• Estate planning is not only for the wealthy! A good estate plan will help you to accumulate wealth, minimize estate tax, and bestow a legacy to those whom you care about most.

• In addition to a will, Estate Planning involves creating a health care directive (or living will) and durable power of attorney for each spouse.

• Make sure that you work with a competent estate-planning attorney to complete the work.

INVESTMENT EVALUATION
• J. H. White Financial Services explains why it is important to build diversified portfolios using passively managed funds as building blocks.

• Review your current investment portfolio to make sure that it provides you with the best probability of achieving your short and long-term financial goals. Asset allocation is included in this review.

• Help you to establish a written Investment Policy Statement based on your investment objectives, time horizon, and risk tolerance. This clearly states how your investments should be allocated.

• Make specific recommendations about what changes you need to make to your portfolio.

We provide you with a written financial plan, the supporting analyses for each section of your plan, a task list that you should begin working on, and a recommended investment allocation based upon your specific situation and risk tolerance.

For clients who choose to continue our services beyond the initial financial plan, we provide on-going financial advice through implementation assistance and annual reviews. We strive to build close, long-term relationships with our clients through unparalleled ongoing service. This lifelong relationship with clients enables us to help them through the financial transitions in their life. We know that no plan can anticipate every possibility in one's life and that's why a continuing relationship is vital to each client's financial security. It is our job to get to know you to help you achieve what is important to you personally. We communicate with our clients on a regular basis through telephone, e-mail, mail, and face-to-face meetings. We are always looking for feedback so that we can improve the quality and value of our services.