My goal is to be there for the important financial turning points in your life.  This includes helping you identify your goals and then working together to make the sound decisions necessary to attain them through a detailed planning and analysis approach.  

For individuals and families, we work with you to develop an appropriate plan to build wealth for your future.  For clients nearing retirement, we educate you on your pension, 401k, and 403(b) payout options and help you implement the chosen option(s) at retirement.  We also focus on small business planning, which includes retirement plan reviews and investment management. 

Retirement Planning

Accumulating assets for a comfortable retirement requires prudent planning. We'll help you determine how much you need to invest to generate adequate income during retirement, how and where to allocate assets, when to rebalance your portfolio, and how much should be allocated to tax deferred and taxable accounts.

College Planning

Many families are feeling the pain of skyrocketing education costs. Some clients do not qualify for much, if any, need-based financial aid, and likewise, make too much money to take advantage of any education tax credits.  By working with experts in this field, we're able to help our clients implement planning strategies that can potentially save thousands of dollars in education costs.

Managing Money During Retirement

Managing money for a potentially long-term retirement means we'll need to consider all of the issues you'll face like integrating social security, handling retirement plan distributions, paying for the high cost of healthcare and minimizing taxes, all while generating enough income for you to live comfortably.

Estate & Protection Planning

Estate and Protection Planning is a personal planning process that helps protect your loved ones. We'll work with you and other professionals to construct a plan that considers your unique situation and desires, and addresses the question of what kind of legacy you want to leave to your family and community. This is a complex area that requires teaming up with estate planning professionals to ensure your plan adheres to current tax (and other) laws.

Comprehensive Financial Solutions

We have access to a complete menu of financial products to develop comprehensive solutions. Investments include:

  • Mutual Funds
  • Exchange Traded Funds
  • Unit Investment Trusts
  • Stocks
  • Bonds
  • Options
  • Variable Annuities
  • Variable Life
  • Real Estate Investment Trusts (REITs)
  • Managed accounts 

Retirement Planning vehicles include:

  • IRAs
  • Roth IRAs
  • 401(k)s
  • SEPs
  • 403(b)s
  • Pensions

Insurance solutions include:

  • Term Life
  • Traditional Life
  • Fixed and Variable Annuities
  • Long Term Care (LTC)