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What We Do

Some clients may wake up one morning and say...“I need a comprehensive financial plan”.  More commonly, clients wake up one morning and are faced with an acute challenge.  We are here to help.  The Miller/Manocchio Team at Waddell & Reed offers full service financial planning.  The Team has three CERTIFIED FINANCIAL PLANNERTM Professionals and two Charted Retirement Planning CounselorsSM -CRPC®

      

Retirement Savings & Income Planning

  • Perform Retirement Needs Analysis
  • Perform Social Security Optimization Analysis
  • Explanation of Medicare and Supplements
  • Explanation and recommendation of Retirement Plans
  • Explanation of Retirement Plan Distribution Rules and Taxation

Financial Planning

  • Development of Financial Strategies
  • Help with Debt Management
  • Help with creation of Personal Financial Statements
  • Help with Cash Flow Management
  • Explanation of Economic Concepts
  • Explanation of Time Value of Money Concepts

Education Planning

  • Perform Education Needs Analysis
  • Recommend Education Savings Strategies
  • Explanation of Financial Aid Opportunities
  • Explanation of Educational Loan Availability
  • Explanation of the Free Application for Federal Student Aid (FAFSA)

Insurance Planning & Risk Managment

  • Analysis and Evaluation of Risk Exposures
  • Perform Insurance Needs Analysis
  • Recommend Individual Long Term Care Insurance
  • Recommend Individual Life Insurance
  • Recommend Individual Disability Insurance 

Investment Planning

  • Development of Investment Strategies
  • Asset Allocation and Portfolio Diversification
  • Portfolio Development and Analysis
  • Explanation of the Taxation of Different Investment Vehicles
  • Explanation of types of Investment Risk

Tax Planning Strategies

  • Development of Tax Reduction and Management Strategies
  • Development of Charitable Contribution Strategies
  • Explanation of Income Tax Fundamentals
  • Explanation of the Income Taxation of Business Entities
  • Explanation of the Income Taxation of Trusts and Estates
  • Explanation of the Alternative Minimum Tax
  • Explanation of the Taxation of Property Transactions

Estate Planning

  • Develop Strategies to Transfer Property
  • Estimation of Estate Taxation
  • Explanation of the Characteristics and Consequences of Property Titling
  • Explanation of Gift and Estate Tax Compliance
  • Explanation of Types, Features and Taxation of Trusts
  • Explanation of Intra-Family and Business Transfer Techniques
  • Explanation of Estate Planning Techniques of Non-Traditional Relationships




Waddell & Reed and its representatives do not offer tax or legal advice.  10/20