Our Services

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following services:

Wealth Accumulation

“Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.” – Albert Einstein

Depending upon where you are in your financial lifespan, it may be appropriate for you to have a certain portion of your assets at  a higher or lower risk level within your investment portfolio. Not every person is the same, and accordingly, each financial product recommended to you will be based upon your risk tolerance, age, and goals moving forward.

Income Planning

With modern medicine constantly improving our overall health through the power of technology, people are living longer than ever. While this offers a better and longer standard of living for you to spend time with loved ones and do what you enjoy, the drawback is a greater likelihood of outliving your savings. Your golden years should be spent enjoying what you like best. If having a part-time job doesn’t sound golden to you, we would like to sit down and figure out the best plan of action to protect your standard of living.

Asset Protection

In a time where the stock market seems to be exceptionally volatile because of world events, politics, and its ordinary market fluctuations, principal protection is arguably the most important service any financial professional can offer you. We examine each client’s unique portfolio carefully, educating our clients about their options and steps they can take to potentially lower risk.

Tax Planning

“Anyone may arrange his affairs so that his taxes shall be as low as possible. He is not bound to choose the pattern which best pays the treasury…. Nobody owes any public duty to pay more than the law demands.” – Judge Learned Hand

Recognizing that no investor wants to have to pay more a cent more in taxes than necessary, we can analyze how certain financial products may make sense for your financial planning in order to minimize your tax burden. Certain strategies offer tax deferral so that you only pay taxes when you actually take a withdrawal. Other products, such as life insurance, also offer the opportunity to utilize income-tax-free income when structured properly.

*Consult your own actual tax advisor for your particular situation 

Estate Planning

You’ve enjoyed a long, prosperous, and happy life, but as you grow older, it may be time to start planning for when you will be gone. Estate planning is the process of making the decisions you don’t want your family to have to make when you are no longer here. Doing so eliminates the burden and tough choices your heirs, family, and friends would have to make if you didn’t already plan ahead. We can help you coordinate an estate plan that fulfills your goals and objectives through various legal vehicles:

  • Wills
  • Trusts
  • Durable Power of Attorney for Healthcare Decisions
  • Durable Power of Attorney for Financial Decisions
  • Conservatorships
  • Guardianships

*we do not give legal advice…etc

Long Term Care

Long-term care (“LTC”) is the assistance needed when one either requires help performing an activity of daily living (e.g., bathing, dressing, eating, etc.) or has a severe cognitive impairment such as Alzheimer’s disease. Because Medicare does not pay for long-term care services, such as assisted living, and only pays for the first one hundred days of skilled care (i.e., physical therapy or nursing), it may be important to consider purchasing a LTC insurance policy. With the creation of new hybrid insurance products, something that was once viewed as too expensive may now actually be a very practical purchase for you. We can guide you through that decision-making process in determining what exactly is best for your individual case.

Life Insurance

When people think of life insurance they typically think of term insurance: Paying a fixed premium on a monthly basis for a guarantee* from an insurance company to pay a fixed amount of money to one’s beneficiaries. While most should have life insurance, the industry has evolved and created cutting-edge and versatile products that not only provide a death benefit, but also accumulate cash value. Examples include whole life insurance, universal life insurance, and variable life insurance. Each type has its own unique characteristics and traits, but the goal for each is to provide your loved ones with a sense of financial security should you die prematurely.

*Guarantees are based solely on the financial strength and claim-paying ability of the issuing company and compliance with product requirements.