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tier 2 plan - $2,850 - $3,600 (15 to 20 hours)

This is for those who have the characteristics of Tier 1 but to a more complex degree. This typically would mean that you are further in your career and closer (less than 10 years) to the second-career or retirement. Existing insurance policies and estate documents may be in place but you would benefit from a comprehensive review of this aspect of your financial life. A sizeable level of investments, which may include an inheritance or windfall, needs to be managed in a prudent and tax efficient manner. A desire to create a philanthropic gifting strategy may make sense at this point.