Broker Check

Services for Individuals

Comprehensive Financial Planning

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and develop a strategic plan to help take you from where you are today to where you want to be in the future as effectively and efficiently as possible. Regular reviews that enable us to make adjustments to your plan based on life’s changes and those in the market and economy are extremely important. Long-term relationships that encourage open and honest communication have been the cornerstone of our business.

Cash Flow Management

The first step in developing a financial plan is fully understanding your personal cash flow. Analyzing your income and expenses, assets and liabilities, and using that knowledge allows us to to help you efficiently eliminate debt and increase savings and discretionary cash flow.

Insurance Planning

Insurance planning and risk management is often a key area that is overlooked by many people. We can help you understand the risks your family and your financial plan face and help you to manage those risks accordingly. Whether it is a premature death, disability, or dealing with potential assisted living and nursing home expenses, we can help you navigate through those potential pitfalls. Also, in a healthcare environment that is extremely challenging, we have resources to help you evaluate your potential healthcare choices.

Education Planning

Given the cost of education in today’s world, education planning has become very important to many parents and grandparents. We can help you define your education goal, develop strategies to navigate the various savings vehicles available, and create distribution strategies designed to work within the ever changing financial aid structure.

Retirement Planning

One of the most common reasons clients begin working with us is to develop a sound retirement plan. We believe it is most important to understand what kind of lifestyle you’d like to live in retirement and when you’d like to be financially independent. When that is understood, we can develop a savings plan that utilizes the multiple investment vehicles that are available to pursue your retirement goals.

Investment Planning

We can develop investment portfolios for you that take into account your financial goal, risk tolerance and time frame.

Retirement Income Planning

As our clients move from the accumulation stage of Retirement Planning into utilizing those assets in retirement, many have questions such as: How can I manage my tax bracket in retirement? Can I guarantee some or all of my monthly retirement income? When and how should I take my Social Security benefit? These are questions we can help answer based on your particular situation.

Estate Planning Services

Having an estate plan communicates many things to those you leave behind. It states what is important to you and who you trust to be in charge. Because it is your final statement, it carries great significance. We can work in concert with your legal professional to help ensure your estate plan achieves that which is important to you. Remember, the worst final bequest is an absent plan.

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