Financial planning


While developing a customized financial plan, we walk you through a step-by-step process that captures current income, spending habits, and investment options with a specific focus on retirement goals and timeframe. Certainly, no one wants to outlive their money! With all the information in hand, we build a plan to help you pursue those goals. We talk through investment options and make recommendations, however ultimately, you decide what direction to take – we believe education is the best tool in helping you feel confident making financial decisions.

Bottom line, with changing economic conditions and market swings, we advocate investing sensibly over the long run while maintaining an emergency fund and adequate levels of insurance coverage.

Services We Offer

Comprehensive Financial Planning*

We cover the following key areas for financial well-being:

  • Investments
  • Retirement
  • Estate Planning
  • Insurance Protection
  • Taxes
  • Cash Management/Education Funding

Investment Management

  • IRA Rollovers
  • 401(k) review
  • Coordination of outside investments
  • Asset allocation
  • Risk tolerance
  • Investment Policy statements
  • Asset preservation strategies

Retirement Planning Analysis

  • 401K / Sep / Simple plans
  • Retirement income planning

Estate Planning

We work to ensure your estate documents will accomplish your objectives.

  • Review of current estate plan
  • Referral to pre-screened, outside professionals as needed
  • Multi-generational planning
  • Estate tax analysis

Risk Management / Insurance Protection

Life Insurance
Competitively priced Life Insurance products, including permanent, term, combination and variable* policies.

We offer innovative Annuity Products. Choose from deferred and immediate annuities at variable* and fixed rates of return.

Disability Insurance
Market-leading Disability Insurance products covering total or partial disability of professionals, business executives, small business owners and others. Often our greatest financial asset is our ability to earn.

Long-Term Care Insurance
Comprehensive Long-Term Care Insurance reimburses some or all of the costs of care received in settings such as the home, the community, alternate living facilities or nursing facilities.

Tax Planning / Tax Strategies

  • Tax reduction strategies
  • Tax projections
  • Income tax preparation
  • Retirement distribution planning
  • Estate analysis

Cash Management

  • Cash flow
  • Debt Analysis

Education Funding

  • College savings strategies

*Not intended to be a substitute for specific individualized tax, legal or investment planning advice.