Financial Planning Financial planning is one of the most important services that successful people use to create and retain a prosperous personal life and business career. However, it requires a lifetime commitment, not only from us, but from you as well. At Rainey & Randall we are determined to identify and address your goals whether they may be personal, family-related or connected to a property or business, so that we can help you achieve success of your own. Our Comprehensive planning services include: Personal – Family records, budgeting, personal liability, estate information and financial goals Education – Education IRAs, financial aid, and state savings plans including 529 plans, grants and general assistance to help meet a dependent’s continuing education needs Taxes and Cash Flow – Understanding the impact of various investments on current and future income tax liabilities Survivor and Beneficiary Planning – Cash needs when deceased, income needs of surviving dependents, estate planning and income analysis Estate – Reviewing wills, trusts, and other estate planning documents to determine if the assistance of an estate-planning attorney is necessary. Reviewing powers of attorney, nursing home and assisted living agreements, living trusts, and Medicare/Medicaid benefits Retirement – Analysis of current strategies and investment plans to help achieve retirement goals Investments – Analysis of investment alternatives including risk and return analysis and their effect on an individual investment portfolio. Assessment of a risk tolerance profile. Real Estate – Analysis of real estate investment opportunities Insurance – Review of existing policies to help ensure proper coverage for a home, an automobile, health, disability, long-term care, liability, and for life.