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Areas of Specialization

Investment planning is more than just a collection of stocks, bonds, and mutual funds. We create a comprehensive investment plan based on your risk tolerance, tax situation, and liability risks. By using asset allocation techniques, we demonstrate to our clients various strategies to potentially maximize their investment return.

Risk Management
No financial plan is complete without considering and preparing for the risks to your success. We listen to your goals, evaluate your needs, and provide risk strategies in these important areas:

  • Unexpected Death
  • Disability
  • Catastrophic Health Expense
  • Unexpected Financial Expenses

Retirement Planning
Visualizing retirement is the most important first step to achieving your retirement dreams. Whatever your retirement goals may be, we can help you examine your current situation. Our portfolio of retirement planning products and services include:

  • IRAs
  • Mutual Funds
  • Stocks and Bonds
  • Fixed and Variable Annuities
  • Distribution Planning
  • Long Term Care

When you are ready to retire, we then show you strategies designed to stretch your retirement assets out over your lifetime or pass them on to heirs.

Estate Planning
Helping you preserve what you have worked so hard to build over the years and to help you plan for the eventual distribution of your assets to heirs. Proper estate planning can help you.

  • Provide Liquidity to cover taxes, debts, and expenses that you may owe
  • Reduce or eliminate taxes, administrative expenses, and delays in connection with transfer of your estate
  • Obtain financial security for your family
  • Pass your estate on to your heirs according to your wishes

You can have the peace of mind that comes with knowing steps have been taken to protect the people who depend on you.

Helping to protect those who depend on you, your family and business associates, should you die too prematurely or become disabled with an insurance policy that suits your individual needs. Your income - the money you earn - provides the foundation for everything you do. From paying the mortgage to clothing your children to anything that makes you feel financially secure, everything is premised on having enough money. Money for final expenses, debt repayment, business continuation, and other monthly essentials is there when you need it most.

Business Planning
For helping you plan for the eventual transfer of your business to heirs or associates, based on your personal desires, and to show you strategies for using tax-favored business dollars to attract, retain, and reward select key employees.

Proper business continuation planning can help ensure that your business, and the people whose incomes and lives depend upon it, will succeed when you are no longer at the helm. It also helps you answer the question: "Who will take over my business should I die prematurely, become disabled, or simply decide to retire?"
We specialize in Selective Employee Benefit Planning. This can help you:

  • Provide significant perks to select employees - including yourself.
  • Motivate, retain, and reward key employees.
  • Increase shareholder value.
  • Differentiate among key employees - you decide at which level each key employee will participate.
  • Provide financing options that help offset benefit costs.