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Individual Services

There are 3 ways we can work together.

1

"Help Us To Do It All"

This is the preferred, comprehensive option

We will meet to discuss your goals and what you are trying to accomplish. We ask lots of questions to make sure we truly understand.

We will utilize our cutting edge financial planning software to analyze your current situation, identify strengths and weaknesses, aggregate a view of your accounts in one place, and track your progress in real time.

This is true financial planning and it gives us both a clear picture of where you are and what needs to be done to get you where you want to be. There is a very affordable annual fee for this service.

Next, depending on your needs and what products and services are suitable for you, we offer investments and insurance and implement them.

You will have full-time access to the plan and can track your progress in real time--even on a mobile device.

We review with you periodically and make necessary changes along the way.

 

2

"I Just Want the Planning"

The option for those who wish to do their own investing and insurance placement.

We will meet to discuss your goals and what you are trying to accomplish. We ask lots of questions to make sure we truly understand.

We will utilize our cutting edge financial planning software to analyze your current situation, identify strengths and weaknesses, aggregate a view of your accounts in one place, and track your progress in real time.

You will have full-time access to plan and can track your progress in real time--even on a mobile device. There is a very affordable annual fee for this service.

We review with you periodically and make necessary changes along the way.

You will be responsible for your own insurance placement and investment management.

 

3

"I Just Need ..."

Sometimes you may feel confident in your planning but you need help implementing certain parts. Maybe you want to set up a pension maximization strategy, or need Life Insurance or Long Term Care Insurance, or need investment services.

 

Our A La Carte Services Include:

Asset Management

We believe in affordable, strategic investment allocations that are tailored to your goals, time horizon and risk tolerance.

We have no allegiances to money managers or fund companies; our allegiance is to our clients.

We believe that individual investors have proven time and time again that they can be their own worst enemies by making emotional decisions with their money. They sell when markets are down and buy when markets are up. They act on "hot tips" and allow personal bias into their investing.

We bring value to our clients by helping to create well diversified portfolios, rebalanced strategically, and managing our clients emotions helping to prevent poor decisions prompted by fear or euphoria.

 

Retirement Planning

People are living longer and retiring earlier. Many Americans are woefully unprepared to generate increasing income streams that will provide for a quarter to a third of a century.

We can help you determine how much you should be saving, what the asset allocation should be, and which types of accounts may be best for you.

Retirement planning is incredibly important; you only get one chance to get it right.

 

Pension Maximization Strategies

Simply put, pension maximization is the practice of utilizing privately held life insurance to provide financial protection for a spouse or loved one in the event you pass away first in retirement.

The goal is to allow you to select the maximum single life annuity option from your defined benefit pension instead of a survivorship option while still providing protection for your "survivor."

By doing so, you can enjoy a larger pension payment and avoid the potential problem of your survivor pre-deceasing you and leaving you with a lower pension benefit for the rest of your life.

We can educate you on this strategy, help evaluate your options, and assist you in deciding if a pension maximization strategy is right for you and your family.

Upon deciding, we will implement the life insurance for you. There are many important considerations involved with this strategy, which is not appropriate or possible for everyone.

Life insurance is subject to underwriting wherein individual health, business/personal activities, and other factors are considered prior to policy issue.

 

College Savings

He wants to be a scientist...

Are you interested in saving for college for a child or grandchild? We can help you navigate the landscape and get an account started.

College tuition is expensive. The sooner you get started the better.

 

Life Insurance

Life insurance is one of the most important parts of your financial plan. We can help you determine how much you need, and which type of life insurance is most appropriate for your family.

If you currently have life insurance, we can evaluate whether it is the correct amount and type or if it should be replaced or supplemented.

Life insurance can be inexpensive, let us help you ensure that your family is protected properly.

 

Disability Income Insurance

What would your family do if you were sick or injured for an extended period and couldn't earn?

Protect your income with disability income insurance. We can help you.

 

Long Term Care Insurance

It's everyone's favorite topic to ignore. Unfortunately, ignoring it doesn’t make it go away. A tremendous amount of Americans will need long term care services either at home, or in a nursing home as they age.

The cost of care is exorbitant. The potential to erode the value of an estate is real. 70% of Americans will need some type of care in their lifetimes. (www.nihseniorhealth.gov)

It's time to stop ignoring and start planning.

 

Wealth Transfer Strategies

You've worked hard, saved your money, lived within your means, and you have something to show for it.

There are three parties that can receive your property after you pass:
1) Your family
2) Your favorite charities
3) The government

We bet we know which one you least prefer. Let's put together a plan to transfer your wealth with tax efficiency.

 

Group Services

Do you represent a school, group of schools, or district?

We can provide group plan services to your organization.

Retirement- 403(b), 401(k), 457(b), 401(a). With our experience and resources we can help you create or restructure a great retirement plan for your organization. We can also help you with strategies to attract and retain key talent. Ask us how.

Health Insurance*
Life Insurance*
Disability Income Insurance*
Long Term Care Insurance*

*Can be set up as a voluntary benefit

 

Become A Client

Are you considering retirement in the next 3 years?

Are you married?

Do you have a minor children?

 
Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck