We can assist people with a variety of issues, from life changing events, to saving for specific purposes, to understanding retirement benefits. Here are some of the areas in which we can help you:

Saving for a Specific Purpose:

  • Buying a House or a Vacation Home
  • Home Improvement
  • Starting a Business
  • Saving for Private School or College

Helping You Understand Current Retirement Benefits:

  • IRA’s (Traditional, Rollover, and Roth)
  • 401(k) or 403(b)
  • Private Pension
  • Annuities
  • Unlocking Capital in Your Home
  • Social Security

Current Portfolio Research:

  • Stability of Capital/Income
  • Rate of Return
  • Diversification
  • Accessibility
  • Tax Efficiency
  • Growth Potential
  • Flexibility

Estate Planning:

  • Reducing Inheritance Taxes
  • Lifetime Gifting
  • Trust Strategies
  • Charitable Giving

Managing Future Capital:

  • Pension Lump Sums
  • Business Assets for Retirement

Qualifying Life Event Transitions:

  • Personal Assets
  • Business Assets
  • Divorce Assets
  • Inheritances

Investment Management for Individuals

Cash Management:

First we will understand your cash flow, create an emergency fund, prioritize your goals, and help you improve your overall situation.

Risk Management:

Before we make any investment decision, we will identify your risk and how much time you have to reach your goal.  We will then create investment portfolios with the right managers to match these parameters.

We have extensive insurance experience to help you with your Disability, Life, and Long Term Care Insurance.  We have an array of professionals to help you with your health, auto, home, and other insurance needs.

Tax Planning:

Our tax planning refers to your investments and how they are taxed.

We will compare a normal taxable investment and an investment where taxes are deferred until distributions are made. We will implement tax efficient strategies working with your Accountant/CPA to help you reduce taxes on current investment income, minimize your future estate taxes and help you to save more efficiently.

Debt Management:

We will assist you in reducing your debt and help you evaluate your available options.

Life Insurance

The right Life Insurance package can provide financial security for your family, your business, and your business partners. In general, there are two types of insurance, Term or Permanent Insurance. Term Insurance is temporary, and the terms can be from 1 to 30 years. Permanent Insurance can be called Whole Life, Universal Life, Adjustable Life, and Variable Life, and generally lasts throughout your lifetime. Call us to discuss the differences and what it right for your situation.

Disability Insurance

Disability Insurance helps replace a major portion of your income when you are sick or injured and unable to work. You may think of it as your paycheck protection. Having Disability Insurance can provide you a sense of security, knowing that if the unexpected should happen, you will still receive a monthly income.

Long Term Care Insurance

Long Term Care Insurance is more than just ordinary retirement planning. It removes the worry of having to earmark your nest egg for the uncertainty of needing care. Your Long Term Care Insurance benefits can be used to pay for Home Health Care, Assisted Living Facilities, Adult Day Care and Nursing Homes.

College Planning

We believe that educating a child is very valuable and often expensive for parents. We will help you with comprehensive education planning from birth to graduation.

The 529 Plan is designed specifically to save money for qualified tuition expenses. As long as the funds are used for this purpose, they aren’t subject to Federal Income Tax.

Other College Savings Options

In addition to the 529 College Savings Plan, college savings alternatives include UGMA/UTMA Accounts, Government Savings Bonds, Coverdell Education Savings Accounts, and other taxable investments. Each of these savings strategies has its own distinctive features and benefits.

To learn more, you can attend our annual FAFSA workshop, (at the end of January). We will show you how to fill out the FAFSA form, as well as ideas on how to save money for college, negotiate with your college of choice for aid/scholarships, and much more! Contact the office for more information.

We will create a retirement plan based on:

  • Your Target Income Goal
  • Your Monthly and Annual Expenses
  • Considering Your Current and Future Income Sources
  • Current and Future Market Conditions
  • Your Personal Retirement Goal for Pursuing Hobbies, Interests, and Travel

Based on the above, we will create a retirement plan that is comfortable for you.

529 Disclaimer: Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses, summary prospectuses and 529 Product Program Description, which can be obtained from a financial professional and should be read carefully before investing. Depending on your state of residence, there may be an in-state plan that offers tax and other benefits which may include financial aid, scholarship funds, and protection from creditors. Before investing in any state’s 529 plan, investors should consult a tax advisor. If withdrawals from 529 plans are used for purposes other than qualified education, the earnings will be subject to a 10% federal tax penalty in addition to federal and, if applicable, state income tax.