OUR SERVICES

It all starts by knowing what you have and what it's worth, so you can make informed decisions about what to do with it. Then we'll use innovative tools to visualize "what if" scenarios about your financial life...like what happens to your cash flow when you increase your annual savings? What is the net-effect of selling an important asset like your house or business? We can help you envision the "cause and effect" of your financial decisions...not just for today but throughout your entire lifetime. We provide a full array of comprehensive personal and business financial services. Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might collaborate with you toward achieving your financial goals. Forward thinking is what smart planning is all about.

Planning Services

Financial Planning
Wealth Management
Retirement Income Planning
Estate Planning Strategies
Charitable Giving Strategies
Protection Planning (through life and disability insurance)
Legacy Planning

Investment Services

We begin by getting a clear understanding of your overall financial goals and your goals for each investment account. We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account. To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:

Individual Stocks and Bonds*
Fee-based Managed Accounts
Mutual Funds and ETFs
Fee Based Financial Planning Services
IRAs, Roth IRAs
529 Plans
Fixed and Variable Annuities
Alternative Investments: various REIT & Energy offerings

Insurance Services

We discuss with you your general attitudes toward risk, underline various risks and review the numerous options to manage and / or mitigate these forms of risk. We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies. We can offer access to the following solutions:

Life Insurance
Disability Income Protection
Long-Term Care Insurance
Business Income Continuation, Succession and Estate Planning strategies

Employee Benefits

We provide a consultative review of all your employee benefits, looking to ensure that any benefits offered are fulfilling their intended purpose and are the most cost-effective available. We can propose solutions in the following areas:

401(k) Plans: Safe-Harbor, Cross-Tested and New Comparability Designs
403(b) Plans
Profit Sharing Plans
SEP IRAs
SIMPLE Plans

Executive Deferred Compensation Plans
Cash Balance Plans: integrated design with Defined Contribution Plans
Group Insurance
Health and Dental Care
Life Insurance
Short Term and Long Term Disability Income coverage
Long Term Care insurance

College Savings Plan

One financial goal that most parents share is a college education for their children. With college costs increasing at a faster rate than general inflation, saving for college can be a daunting task. You can, however, pursue this important financial goal by establishing a college fund and taking action today.

529 Savings Plan
Coverdell Education Savings Account
Tax-Deferred Plans

^{*General securities are offered on an unsolicited basis.}