Income & Cash Flow Planning
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
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.
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, and tax sensitivity.
- 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.
Detailed Tax Planning Considerations
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
Investment Plan Construction
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
Investment Plan Implementation
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
Quarterly Review Meetings
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
Enhanced Communication
Clearer ongoing communication for active planning questions, without promising specific response times until approved.
Resource Library Access
Built into the planning conversation where appropriate for the client's needs, accounts, and objectives.
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.
View tax resourcesImportant information
Entrust does not provide tax or legal advice. Tax-related discussion is educational and planning-oriented and should be reviewed with qualified tax and legal professionals.
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. Suitability and disclosure language require compliance approval.
Process
What the relationship looks like.
Discover
Listen and learn about goals, values, accounts, income needs, risks, taxes, preferences, and constraints.
Analyze
Review the full financial picture, including income, cash flow, risk, tax exposure, liquidity, and time horizon.
Design
Build a strategy around the client's actual needs rather than forcing the plan into a generic model.
Implement
Coordinate accounts, investments, allocation choices, income tools, and planning recommendations.
Review
Monitor, adjust, and revisit the plan as life, markets, and client priorities change over time.
Next step
Want a plan built around your household?
Schedule a conversation with Entrust to discuss your goals, income needs, tax considerations, and whether our approach is a fit.