I. PERSONAL FINANCIAL PLANNING *

1. Developing a Sound Financial Plan
        a. Needs analysis
        b. Goal Setting
        c. Implementation

2. Investments *
         a.  IRAs (Traditional, Roth, Simple, and SEP)
         b.  Tax Deferred Annuities (Fixed, Variable & 
               Immediate)
         c.  Rollovers from 401(k) or other company plan

3. Retirement Planning
         a.   Determining the when and how
         b.   Working toward a comfortable and fulfilling retirement

4. Life Insurance
         a.  Personal Planning
         b.  Business Planning 
         c.  Estate Planning 

*Securities and Advisory services offered through United Planners Financial Services


















II. ESTATE PLANNING
(with a licensed attorney specializing in estate
planning and taxation)

1. Estate Analysis

2.  Avoiding Probate and Eliminating Probate Costs

3. Reducing or Eliminating Federal Estate Taxes

4. Review or Execution of Wills, Trusts, and Powers of Attorney (with legal counsel)

5. Annual Gifting and the Exemption

6. Business Succession




III. CHARITABLE GIVING

1. Stewardship and Charitable Seminars for the Financial Development of Churches, Ministries,
 and other Nonprofits. 

2. Reduction of Current and Future Taxes for Gifts made to Charity

3. Integrating your Charitable Giving Plans with your Family's Financial Plan.  







IV. INCOME TAX PREPARATION AND PLANNING**

 Click Here to visit : The Office of Debra R. Schill, CPA


1. Preparing Annual Tax Returns

2. Review of Prior Year Returns for 
    Opportunities/Errors

3. Developing Plans to Reduce Income Tax 
    and Capital Gains Tax







V. BUSINESS PLANNING

1. Using the Correct Form of Business Entity

2.  Filing Appropriate Paperwork/ Forms

3.  Creating Organizations

4. Business Management/ Coaching

5.  Problem Solving & Strategic Planning