Financial Planning

Planning for your financial success may seem complicated in today’s world. A broad knowledge of everything - from complex investment products to evolving tax laws - is required.

Our process proceeds through two primary steps: first, to fully understand and analyze the specifics of your financial situation; second, to provide you with the information, advice and alternatives you need to make the appropriate decisions about your unique financial needs, circumstances and objectives.

  • Comprehensive Financial Planning
  • Retirement Planning
  • Education Funding
  • Estate Planning
  • Tax Reduction Strategies

Investment Planning

In today’s economic environment, obtaining investment information is easy; choosing the investments that are right for you is much more difficult. We assist you in identifying your investment objectives, evaluating your risk tolerance and analyzing your current portfolio. This enables us to develop an appropriate asset allocation strategy and recommend various alternatives tailored to help toward meeting your individual needs and goals. Our business model provides the framework. We offer a diverse selection of investment and insurance-related products:

  • Stocks and Bonds
  • Mutual Funds
  • ETFs and UITs
  • Fixed & Variable Annuities
  • Alternative Investments
  • Variable Universal Life Insurance

Retirement Income Planning

With retirement often lasting for 20 years or more, many of our clients are concerned about outliving their savings. To avoid a savings shortfall, it is critical to spend time now to help ensure that you will have the capital to afford the retirement lifestyle you desire. We’ll help you choose the appropriate techniques to accumulate wealth for retirement income and offer sound alternatives.

  • Asess Income Needs
  • Quantify Income Resources
    • 401(k) Rollover
    • Pension
    • Social Security

Risk Management

Through our affiliates and other fine companies, we offer an extensive portfolio of fixed and variable life insurance products as well as disability products.

  • Permanent Life Insurance (Whole Life & Universal Life)
  • Term Life Insurance
  • Disability Income
  • Long-term Care