It is our goal to make sure our clients reach their goals. We believe in order to reach those goals we must have a good understanding of their situation. Not everyone's goal, or the ability to reach that goal, is the same. We found the best way to help the client is to simply listen. We rely on input from investment portfolio managers, CPA's or tax advisors, estate planning attorneys, insurance providers even counselors to make the right decision. We listen to everyone, but most importantly the client. Together we find out what is truly important and help them make the hard decisions.

Our clients know we are here to walk through the process and ensure all moving parts are addressed. By concentrating on only one isolated part risks overlooking the effect and impact on the other areas of the financial plan. With a comprehensive plan Long Term Spending, Investments, Retirement, Insurance, Income Tax and Estate planning are all reviewed. We may rely on the input from specialist in each field, but it is the responsibility of R.E. Maloney Associates to ensure each decision is the right decision for the whole financial picture.

LONG TERM SPENDING PLAN
R.E. Maloney and Associates will analyze current living expenses versus current income and prepare 25-year projections for future anticipated living expenses, income taxes and all sources of income (e.g. compensation, investments, pensions etc.). This will be the guide for retirement and will provide a framework for decision making that will be updated as changing circumstances require.

INVESTMENT CHOICES
Investments are not simply about choosing the right stock. It is about determining the risk level appropriate to achieve the personal goals. We work with professional investment managers in developing an asset allocation model and investment policy statement for our clients while being conscious of the tax implications and with the family's goals in mind.

RETIREMENT PLANNING
The goal is to coordinate retirement goals, long term spending and the investment choices. We will also address issues such as: employment-related benefits, qualified plans, other tax deferral arrangements, social security, health care and long-term care issues. A client's stage in life and their goals can affect the type of investment, how that investment is titled and/or the rate in which you withdraw from that investment when the time arrives.

INSURANCE ANALYSIS
With clients' insurance professionals we review adequacy of types and amounts of coverage: property & casualty, health and major medical, excess liability, disability, life insurance and the need/desirability of long term care coverage. We want to ensure our clients and their families are protected when the unexpected happens.

INCOME TAX MINIMIZATION
This is the area where a competent accounting professional can work in tandem with R.E. Maloney Associates on making appropriate recommendations for minimizing federal and state taxes. This includes consideration of tax avoidance or deferral strategies such as tax-free bonds, use of IRAs, qualified retirement plans and Alternative Minimum Tax planning. It is our job to make sure the decisions made are the best ones for the overall financial picture.

ESTATE PLANNING
Current wills, trusts, powers of attorney and related documents are reviewed. We provide recommendations for revisions or amendments and analyze beneficiary designations and allocation of assets by title. Consideration are given to both testamentary and lifetime gifting strategies consistent with personal goals and spending projections.