Simplify Finances, Build Your Legacy, Help Protect Your Future.

Services Personalized to Your Needs

No matter what stage of life you are in, our planning services are designed to provide insightful analysis, guidance, and strategies to help you live your desired lifestyle. We are always committed to doing what is in your best financial interest.

Legacy Planning

Effective legacy planning allows you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective strategy can spell out your health care wishes and ensure that they are carried out, even if you cannot communicate. It can even designate someone to manage your financial affairs should you be unable to do so. We can work with you to:

• Make sure beneficiaries are documented on financial accounts.
• Discuss life insurance options to leave a legacy.
• Partner with your attorney to set up legal documents.
• Partner with your CPA to address tax issues.
  

Insurance Strategies

A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events. Insurance transfers the financial risk of life’s events to an insurance company. A strategy can include personal insurance, liability insurance, and life insurance. We can discuss your needs for the following:

• Life Insurance – Leave a financial legacy for loved ones after death.
• Disability Income Insurance – Replace lost income in case of disability.
• Long-Term Care Insurance – Access care and resources after a long-term diagnosis.
  

Investment Management

Investing should be easy; buy low and sell high. In reality, It’s not quite that simple. Your risk tolerance, time horizon, and goals should be considered in your investment strategy. Understanding these principles can help you avoid pitfalls that snare some investors. We work with investors to discover their needs and find suitable products such as:

• Stocks and Bonds.
• IRAs – Simple, Traditional, Roth, SEP and Educational.
• Brokerage Accounts.
• Variable Annuities.
  

Money & Lifestyle

Managing your money involves more than simply making and following a budget. One of the keys to a sound financial strategy is spending less than you take in and finding ways to put the excess to work. Lifestyle issues like balancing work and leisure are important in making smart choices for the future. We can work with you to:

• Assess assets and debts.
• Prepare a budget.
• Plan for the future.
  

Retirement Income Planning

Where will your retirement money come from? If you are like many people, qualified retirement plans, Social Security, personal savings, and investments will fund retirement. Once you have estimated the amount of money you may need, a sound approach involves examining your potential retirement income sources and putting together a strategy to make your resources last. We can:

• Identify your various retirement income streams.
• Explain how to draw down retirement funds and the timelines.
• Review Social Security, Medicare, and potential tax issues as related to retirement.
• Source suitable annuities for an additional stable income stream.
  

Tax Minimization Strategies

Understanding tax strategies can potentially help you better manage your overall tax situation. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts. We can:

• Explain current tax minimization strategies related to financial and retirement accounts.
• Assess your situation to see if tax minimization strategies could work to your benefit.
• Work with your CPA on your specific needs.