OUR SERVICESIt 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 PlanningWealth ManagementRetirement Income PlanningEstate Planning StrategiesCharitable Giving StrategiesProtection Planning (through life and disability insurance)Legacy PlanningInvestment ServicesWe 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 AccountsMutual Funds and ETFsFee Based Financial Planning ServicesIRAs, Roth IRAs529 PlansFixed and Variable AnnuitiesAlternative Investments: various REIT & Energy offeringsInsurance ServicesWe 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 InsuranceDisability Income ProtectionLong-Term Care InsuranceBusiness Income Continuation, Succession and Estate Planning strategiesEmployee BenefitsWe 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) PlansProfit Sharing PlansSEP IRAsSIMPLE PlansExecutive Deferred Compensation PlansCash Balance Plans: integrated design with Defined Contribution PlansGroup InsuranceHealth and Dental CareLife InsuranceShort Term and Long Term Disability Income coverageLong Term Care insuranceCollege Savings PlanOne 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 PlanCoverdell Education Savings AccountTax-Deferred Plans*General securities are offered on an unsolicited basis.