Planning Client Services

Deeper planning for income, investments, taxes, and real-life decisions.

Planning Client Services are built for individuals and families who want coordinated planning, portfolio implementation, and ongoing review.

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Who this is for

For households that need more than an allocation.

Planning Client Services fit people who want a more complete planning relationship around retirement income, portfolio cash flow, tax sensitivity, risk, liquidity, and implementation.

You are nearing retirement and need to understand how portfolio income, withdrawals, Social Security, pensions, and taxes may work together.
You want a plan that considers downside risk, inflation, liquidity needs, account type, tax sensitivity, and long-term estate impacts.
You need help moving from recommendations to implementation and ongoing review.
You prefer an individualized portfolio strategy instead of being placed into a generic model without deeper context.

What is included

A planning relationship around practical decisions.

The exact scope, cadence, and minimums require Entrust confirmation, but the planning focus includes the following areas.

Income & Cash Flow Planning

The foundational first step to any planning discussion is the discussion of cash flow and income planning. All other planning recommendations follow from first addressing where, how, and when the income and cash flow will be generated to meet your needs and desires.

Detailed Tax Planning Considerations

A comprehensive analysis of both short-term and long-term tax impacts is considered in your planning process. Short-term taxes cover the impact of various types of income and the timing of that income on your individual year tax return. Long-term taxes cover the lifetime impact of items such as IRMAA costs, Net Investment Income Tax, the long-term effects of Required Minimum Distributions (RMDs), and more. While we do not file your taxes for you, nor can we represent you if you are audited by the IRS or any state tax authority, we do provide tax planning services.

Investment Plan Construction

Once we understand your income needs and desires, along with the short- and long-term tax implications of your specific situation, we can move into investment plan construction. In this part of the planning relationship, we focus on constructing an investment plan that meets your needs and wants in the most efficient manner possible. Efficiency comes in two primary forms: investment selection and tax efficiency.

Investment Plan Implementation

Once investment plans are constructed, it is time for implementation. Entrust's experienced team of advisors will help you navigate the implementation phase with prudence. We understand that many model portfolio firms have caused clients to pay excess taxes in the past in order to change from one investment vehicle to the next. At Entrust, we do individualized planning and will act with care to provide a detailed implementation process that avoids excess taxes or costs whenever possible.

Periodic Review Meetings

We meet with our clients on a consistent basis throughout the years to come. Depending on the details of your specific situation, we will discuss ahead of time whether you will be on a quarterly, bi-annual, or annual review schedule. These are times we specifically set aside each year to ensure that your plans are current, relevant, and meeting your planning goals.

Estate Planning

At Entrust, we are not attorneys. We do not draft estate documents for you, nor can we represent you or your loved ones in a probate court situation. However, we will assess and address the long-term estate planning impacts of your circumstance. Lastly, we have attorney relationships we can refer you to for discounted estate planning services.

Full Resource Library Access

As a Planning Client of Entrust, we give you full access to our resource library with no additional costs for any of those resources. As a Planning Client, you may access all books, white papers, workbooks, and recordings, including those that normally have a paid price, for absolutely no cost.

Tax-sensitive planning

Tax considerations should be part of the investment conversation.

Entrust can help evaluate planning considerations such as Roth conversions, capital gains, account location, Social Security taxation, and income thresholds, while coordinating with the client's tax professional.

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Important information

While Entrust may provide significant education and resources related to your tax and estate planning considerations, all ideas and plans should be verified with a qualified tax or legal professional. Entrust does not, and cannot represent you in any case with the IRS, Probate Court, or other legal authority. We assume no liability related to your taxes or legal considerations. Our software, tools, and resources are to be considered educational in nature and while useful these tools cannot be construed as advice.

Insurance / annuity coordination

Insurance tools should be evaluated in context.

Where appropriate, Entrust can help clients review how existing or proposed insurance and annuity tools fit with income planning, liquidity needs, fees, taxes, risk, and legacy goals.

Important information

Insurance and annuity products are subject to contract terms, exclusions, fees, surrender charges, and the claims-paying ability of the issuing insurance company. Insurance and annuity products offered by Kyle J McCauley, LLC and Coeus Financial & Insurance Services, Inc.

Process